23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX I initiated a transfer from XXXX  XXXX credit card to Wells Fargo, the amount that was supposed to be pulled over to Wells Fargo was {$7300.00} which was the amount on my last statement from XXXX  prior to transfer. I noticed later that afternoon Wells Fargo pulled over 2 balances of {$7600.00} and {$1400.00} which is more debt and money then what was supposed to be transferred over from XXXX. This totals to {$9100.00}. XXXX I now owe which is more than the {$7300.00} which I actually owe in debt. I have called wells Fargo multiple times since XX/XX/XXXX to fix this problem I have asked to adjust the transfer they reported the transfer as fraud when it wasnt Fraud because I did initiate a transfer but I did not initiate that amount, I did not initiate more debt then I already have. I have asked them to cancel the transfer and to reverse it back to XXXX since they could not fix the problem and they were supposed to do so and said to wait 30 days but then Wells Fargo then wiped the XXXX and XXXX from my account leaving me with nothing to owe, I called them asking where the money went on XX/XX/XXXX and they told me they didnt know and that they were confused I have broken down the situation to them multiple times I have been transferred to multiple different people still no answers I was told I was gon na receive a call from a case management and had to wait XXXX more days form XX/XX/XXXX. I logged on to my online account with Wells Fargo on XX/XX/XXXX today and noticed the XXXX and XXXX was now back in my Wells Fargo account back to the very beginning with more debt than I owe. And they adjusted the posting dates to XXXX when they were not there this past Monday. 

The XXXX balance is from my XXXX XXXX  statement from XXXX XXXX XXXX so I see where they got that number but I made payment of {$500.00} to my XXXX account prior to my transfer on XX/XX/XXXX. Then my next statement was for XX/XX/XXXX- XX/XX/XXXX of {$7300.00}. I have no idea why and where they got the {$1400.00} number
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 34 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Debt collection

This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. Ive also never given this company permission to contact me and not only did this company contact me but this company contacted and harassed my family members as well which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me and my family. My next step will be to file suit. This is my last time asking to please remove this account, it's not mine.
Product: Credit card

I sent them a letter agreeing to a payment offer of {$110.00}. On XX/XX/XXXX, I received a letter saying they have sold the debt on XX/XX/XXXX to a collection agency named " XXXX XXXX XXXX ''. To top of it all, the debt has been sold for {$400.00}, which is almost 4 times their initial offer. This is the second time they sell this debt to agencies that have shown patterns of violating FCDPA rules. I need a clear answer as to how to settle this debt based on their initial offer.
Product: Credit reporting or other personal consumer reports

" According to the Fair CreditReportingAct 15 USC1681 section 602 a states '' There is a need to insurethat consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and arespect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies andI am the consumer. I have the right tomake sure my private information isn't shared which is backed by 15 USC6801 which states '' It is the policy ofthe congress that each financial institution has an affirmative and continuing obligation to respect theprivacy of its customers and to protect the security and confidentiality of those customersnonpublic personalinformation. '' ( Furnisher of informationto credit agencies ) is a financial institution by definition under that title. 15 USC1681 section 604 a section2 states that " In general subject tosubsection ( c ), any consumer reporting agency may furnish aconsumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely donot have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher ofinformation to credit agencies ) whetherit beverbal, non-verbal, written, implied or otherwise is revoked.

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose non-public personal information to a non-affiliated third party unless the consumer is given an explanation of how the consumer can exercise thatnon-disclosure option. '' ( Furnisher of information to credit agencies ) Neverinformed me of my right to exercise my non-disclosure option. Not only that 15USC 1681C ( a ) ( 5 ) states '' Except as authorizedunder subsection ( b ), no consumerreporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records ofconvictions of crimes which antedates the report bymore than seven years. '' This account is an adverse item theyare reporting again without my permission which is against the law. 15 U.S.Code 1681s2 ( A ) ( 1 ) Astates " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonablecause to believe that the information is inaccurate.

15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c ofthis title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 

XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that '' Aconsumer may exercise the right to opt out atany time. '' I am opting outof your reporting services.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX  XXXX Balance : {$17000.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$74.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX  XXXX XXXX XXXX Balance : {$74.00} XXXX  XXXX XXXX Balance : {$130.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit card or prepaid card

On XX/XX/XXXX I made a purchase at XXXX for {$2500.00} and activated the XXXX Feature on my card. On XX/XX/XXXX the purchase was refunded in full by XXXX and a credit of {$2500.00} was posted to my account. 

On XX/XX/XXXX I requested the refund be applied to my Plan and was told this was completed. Once I received my first statement, it was not canceled out, it was somehow reduced so now my balance is a little over {$900.00} and it wants me to make a {$130.00} payment... I have zero conference in what is going on right now and how the XXXX a credit gets applied but not fully. 

I've done several chats and calls into customer service to only be given the same run around about how it will be applied next statement... I was told the same thing before my first statement as well.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681b ( regarding permissible purpose ), I have never granted the following companies any authorization to access my credit report, and they are in clear violation of this code. As a result, I am requesting the removal of the account ( s ), as they are causing harm to my reputation, character, creditworthiness, credit standing, and credit capacity. Please note that I am filing a legal identity theft report with the FTC, which I am submitting under penalty of perjury, and I am enclosing it with this letter. Given your legal responsibility to protect my privacy, I expect this issue to be addressed with the highest level of urgency. 

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

XXXX refuses to remove me from the consumer credit reporting list, even though I have signed and submitted the opt-out document removing me from XXXX  consumer reports. They continue to give out faulty and inaccurate info. To add insult to injury on my credit report ( s ) no where is any indication about financial fraud or debt owed, yet XXXX  illegally continues to report even though I have opted out and there info conflicts with my three major credit bureau reports.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 



By obtaining my CREDIT BUREAU consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) I have not initiated any transaction with any company listed. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with any company listed below for review or collection. 

XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX VIA DEALER ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX VIA DEALER ( XX/XX/XXXX ), XXXX XXXX XXXX  ( XX/XX/XXXX ), and XXXX XXXX XXXX ( XX/XX/XXXX ) . Please Remove These Unauthorized Inquiries. 



Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.

I DEMAND THESE INQUIRES ARE PERMENATELY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Best regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have confronted XXXX and XXXX numerous times with the facts that these old, out of date, incorrect addresses keep appearing on my credit report, and that they need to be removed permanently from my credit report immediately. They fail to comply with my demands as these addresses are tied to old, out of date, closed and paid accounts that are past the statute of limitations for listing on my credit report. I have also requested that any old, out of date, paid in full, closed accounts be removed from my credit report immediately, because they are tied to these old addresses. I have provided XXXX, Experian, and XXXX my current, correct address several times but as you can see in the enclosed documents, XXXX fails to list my address correctly, and XXXX lists a XXXX XXXX XXXX XXXX address for me still. I want all of these old addresses wiped from their files permanently!
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 protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account XXXX : XXXX  XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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: Credit reporting, credit repair services, or other personal consumer reports

Complaint regarding XXXX XXXX and Equifax : On approximately XX/XX/XXXX I received a letter dated XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX XXXX stating that as of XX/XX/XXXX my mortgage loan will be transferred and serviced by XXXX XXXX  XXXX. My loan was sold to XXXX XXXX  XXXX and was reported on XX/XX/XXXX to the above credit bureaus as, " Account closed and paid. Account transferred. Remark added. " I constantly keep track of both my credit scores and credit reports and noticed that on XX/XX/XXXX my scores had dropped by 16 and 15 points respectively. I first contacted XXXX XXXX and inquired about what the " remarks '' were as indicated on my report. They told me they did not know and to contact the two credit reporting co. 's. I contacted them by phone on XX/XX/XXXX. I spoke to 2 individuals at XXXX XXXX and 1 individual at Equifax. Equifax did not have an answer and told me to contact my Mortgage Co.. XXXX XXXX told me it was because of, " the length of time of the account ''. I have been paying this particular mortgage for 2 years and 8 months and as indicated on both co. 's. credit reports my credit is perfect with them as is all my other creditors. My credit scores are consistently in the 700 - 800 range for many years and i work hard to maintain that. I went online to Equifax and XXXX XXXX website and filed a dispute but the problem I have with both is that there system will not let me be specific in my complaint and will not allow me to type a complete description of the issue. 
My credit scores were lowered because of no fault of my own. In fact in theory my credit score should have went up. An account that was in excellent standing and was closed and paid in full by my creditor as was their choice and is not at this time being shown that it has been replaced with a new lender on a new account is a plus in credit and credit score calculations.
Product: Checking or savings account

I have been fraudulently charged by Google Pay services, 7 charges in all to date, locked my debit card, unable to contact my bank fraud department till Monday, but filed a police report with the local police department here in XXXX, Arizona, these charges are fraudulent and unauthorized. The amounts were small, {$13.00} to {$9.00}, discovered this on XX/XX/2021 while checking my checking account as I normally do monthly, the charges started on XX/XX/2021, 4 charges were made same day, others on separate days.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a new Complaint on XXXX XXXX XXXX XXXX. I never received XXXX-mortgage interest statements from XXXX XXXX XXXX XXXX from XXXX - XXXX. These statements was reported to IRS, yet I never received copies to file my taxes. Since payments was made to XXXX XXXX XXXX from my checking account with XXXX XXXX XXXX. I have the right to receive these statements. The account number with XXXX XXXX XXXX was XXXX/XXXX.
XXXX XXXX never mentioned the {$100000.00} transferred to them from XXXX XXXX  on XX/XX/XXXX. I received a settlement from a XXXX XXXX law sue. Whom ever have my drivers license & social security card made this transaction. XXXX XXXX XXXX XXXX did n't inform me of the many payments made to them from XXXX XXXX XXXX & XXXX XXXX. It was a series of mortgage payments, with a series of account numbers. The was an account for XXXX XXXX XXXX paid on XX/XX/XXXX. The account number is XXXX in the amount of {$1000.00}. XXXX XXXX XXXX XXXX have mortgages that was being paid, using my accounts. A large amount was transferred to them. If it was n't the XXXX Family. It was XXXX XXXX, she was a XXXX before she got married. My youngest child is being used also, because he have a XXXX XXXX & he 's a XXXX XXXX. His name is XXXX XXXX XXXX/ his social security number is XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that 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 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, I made an online ACH payment through the Chase Bank website for {$500.00} on my XXXX credit card. According to Chase, 2 minutes after my {$500.00} payment, they claim that I requested for my account to be enrolled in auto pay of my entire balance each month. I did not authorize this and I had no idea that they did this. On XX/XX/XXXX, Chase made an unauthorized ACH withdrawal of {$3700.00} from my XXXX checking account. I contacted Chase and told them that this was fraudulent and they not only denied me but they hung up the phone on me. They did send me a new credit card as if they thought it was compromised. Then, I called XXXX who told me that they had to investigate the complaint. At this time, I was traveling on XXXX military duty and my Wife and Kids were traveling in XXXX Florida. We were all left without access to our own money because of the issue and it has cost us money ever since. Since this has happened, I have made complaints with the Florida Attorney General and the XXXX XXXX County Sheriff. Please help.My leaning lesson is that ACH withdrawals are not protected the same way that credit card and debit card withdrawals are covered by federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account number : XXXX - {$230.00}, XXXX, XXXX account number : XXXX - {$200.00}, XXXX XXXX XXXX account number : XXXX - {$280.00}, XX/XX/XXXX account XXXX, XXXX. XX/XX/XXXX XXXX account number : XXXX - {$65.00}, XXXX account number : XXXX,XX/XX/XXXX account number : XXXX - {$420.00}, XX/XX/XXXX XX/XX/XXXX XXXX XXXX account XXXX : XXXX, XX/XX/XXXX account number : 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 an account without my written instructions.