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

I am the XXXX XXXX XXXX XXXX XXXX  in XXXX. Another small business in our town performs work for our business as a subcontractor. 

Someone unlawfully got access to our subcontractor 's email system and sent my company fraudulent wire instructions for payment to our subcontractor. The wire instructions included an account name matching the name and address of our subcontractor ( plus a 3 letter abbreviation not part of the real business name ) and an account number. We verified the request was correct by email, thinking we were communicating with the real business but instead communicating with the impersonator, and then wired the money. The fraudulent nature of the activity was discovered roughly 2 weeks after the wire happened. At least one other business in our town was fooled by the impersonator and wired money to the fraudulent account. 

Our local bank issued numerous requests to the receiving bank over the secure messaging system indicating the account was fraudulent and requesting return of the funds. Response from the receiving bank was slow and incomplete. 

Through local law enforcement a search warrant was issued to the receiving bank for account statements and information about the account, in an effort to learn if money remained in the receiving account, and if not where did it go. We received that information via the search warrant before receiving any relevant information over the bank secure messaging system ( our sending bank still hasn't received any relevant information from the receiving bank over 4 weeks since the first message was sent on XX/XX/2022 ). 

Information in the material received from the search warrant revealed that the account name, address and location did not match the name on the wire instructions. The receiving bank accepted the wire based on an account number match, but the account name and address did not match. 

Our sending bank 's search of XXXX code indicates the receiving bank " may rely on the number in a payment order that identifies the beneficiary, even if it identifies a person different from the person identified by name in the payment order, if the Federal Reserve Bank does not know of such an inconsistency in identification. '' Also in this code : " Section 4A-207 provides that a beneficiary 's bank, such as a XXXX XXXX XXXX , may rely on the number identifying a beneficiary, such as the beneficiary 's account number, specified in a payment order as identifying the appropriate beneficiary, even if the payment order identifies another beneficiary by name, provided that the beneficiary 's bank does not know of the inconsistency. '' Did the receiving bank know of this inconsistency in names when it accepted the wire? What are that bank 's wire transfer policies and procedures? Do they require that the name on the receiving account be checked against the name on the incoming wire instructions? If so, the receiving bank improperly accepted the funds and they should be returned.
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 XXXX Account Number:XXXX  Account Name : XXXX  XXXX XXXX Account NumberXXXX 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

Credit Acceptance was notified mail XX/XX/2020. That I was exercising my rights to 15 USC 6802 ... 6802. Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this sub- chapter, a financial institution may not, di- rectly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a no- tice that complies with section 6803 of this title ... 


B. Opt out of reporting Credit Acceptance needs to stop reporting my installments payment to all 3 credit bureaus ( third parties ) Stop reporting .... 

1681b. Permissible purposes of consumer re- ports ( a ) In general Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a con- sumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruc- tions of the consumer to whom it relates. 

Credit Acceptance needs to remove themselves from my consumer report.
Product: Checking or savings account

On XX/XX/2022 I went to the ATM in XXXX, New Jersey XXXX XXXX  to withdrawal {$270.00} from my daughter monthly XXXX XXXX  card on that day. Then I realize that the ATM wasn't letting me proceed with my transaction due to insufficient funds. So I was confused because I knew that day funds will be available. I then check my account balance and realized that my money was missing in my account. I was very confused and immediately reached out to the fraud department to report a transaction dispute with a claim. I literally mentioned to the representative that I'm confused on how transaction occur because my card was home with me at the time and date and I clearly didn't make this transaction. I also been told after I filed a police report and submitted my claim and did everything I need to do that there's was nothing they cant do to help me they denied my claim. My daughter bank is with Direct express. They kept denying my claim. So I then decided to do my own investigation to see who can help me in this matter because I never received my money back as of yet. I reached out to XXXX  and they stated for me to reach out to you guys for help.
Product: Debt collection

So I received info in the male regarding an bill from a rental car that was rented through a insurance from a car claim. After speaking to a rep name XXXX she explained that I rented a vehicle XX/XX/2016. I explained impossible she begin questioning for if I am correct she never mini Miranda me or told me was on a recorded line I asked her first last name she told me she does n't have to '' because she does n't want to ''. At that point I explained that her info is wrong and it should be a dispute. I asked questions she said she will get a manager then a guy name XXXX gets on the phone very disrespectful loud interrupting every thing then as i asked his full name he begin to get upset yelling being deceitful and hung up in my face. I called back he put and hu the telephone 3 times. I called all leadership and never received a phone call. Today after cease and desist I received a phone call and it is the same little girl I spoke to I made aware cease ad desist. They also called my brother after having good info for me and said what they were calling about and gave name of company. My brother has I 'd caller and tracked number is was the same company
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity.This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX  XXXX XXXX, XXXX, NY, XXXX, XXXX XXXX XXXX, XXXX, NY, XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received notice from XXXX that there was a hard inquiry from TD Retail Card Services. I did not have any contact with TD and never have. I believe this is fraudulent and possible identity theft.
Product: Checking or savings account

XXXX XXXX in over draft fees and a XXXX check deposit came in same day. 
XXXX XXXX charged for each item that came in on overdraft sat down with branch manager and went over account there were XXXX charges on the account that were not made by me asked if it would be credited to the account she said no maybe in 10 days really! 
I told her I had done a complaint on them about the fees and over draft and asked her to reverse them all she said she could only do 1 per year I told her that's not the truth and she said well that's how we pay our bills is with bank fees I said well I help you out but you want help me she said she could not do anything this bank needs to stop XXXX people by the time I pay the fees on Friday I want have money to pay my bills with
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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. 

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

I having a problem which Experian removing XXXX XXXX XXXX off of my credit report which is labeled as a closed account and it is a fraudulent account.I have sent a police report to all 3 credit agents and which I was told it will stay on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction or removal of the erroneous information about my account has been diligently neglected by XXXX. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date, XX/XX/2022. Besides, the inaccurate information about my accounts is still on my reports. Therefore, XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting unverified information. Below are the items that are still reported on my account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Product: Checking or savings account

Yesterday morning my XXXX year old and XXXX year old sons. Decided they where gon na buy online games. In less then an hour they spent {$570.00}. Three of the 11 charges which were to XXXX were refunded without an issue. I contacted XXXX and they say they will not issue a refund for any of the charges. The other charges were from XXXX for sone game equaling {$470.00}. So I contacted my bank Santander to see if they could reverse the charges. They said I would have to press charges against my sons. How is this legal??? All charges were made on XX/XX/2020 between XXXX XXXX  and XXXX XXXX. While I was sleeping.
Product: Credit card or prepaid card

We had a charge, last month from a company called " XXXX XXXX '' that charged our card. What was strange is that we hadn't done any business with XXXX XXXX for nearly 7 years. In that time my credit card number had changed a number of times and they had the most recent number, which I most certainly did not give them. We did dispute the charge and ultimately, it was resolved, however, how did they get the number? 

In an effort to stop these sorts of charges and to get ahead of vendors that had our cards on file for auto-pay during the pandemic, we cancelled our old card and issued a new one. On XXXX, I noticed that a remarkable number of our vendors HAD OUR NEW CARD NUMBER and their charges went through even though we had not given them the new card numbers! On XX/XX/2020 at roughly XXXX XXXX I called Capital One and spoke to a representative there. 

I was told that Visa, the organization that manages my card, has an agreement with certain vendors where they are given access to my new credit card number as a COURTESY TO THE VENDOR! I was shocked. I was told that I would have to negotiate WITH EACH VENDOR to get them to remove the auto update clause from the contract if I wanted to opt out of this program. 

At no time was I presented with ANYTHING that outlined this " service '' or required my expressed authorization to enable it on my account. If I did, it was not marked clearly or done fairly. 

There was one option, which I opted for, I had to lock my credit card for all charges and then add new accounts to a new card one at a time, which is a stop gap but the amount of charges that hit my card will have a significant impact on on my cash flow in these coming months. 

As a small business I should have the flexibility in determining who gets paid when, not VISA.
Product: Debt collection

I had no knowledge of this debt. This debt is held in another person 's name-an ex-husband. I did not receive any letters or notification of this debt. I did not receive any information to verify this debt-was this debt acquired before or after our marriage. This debt is a medical debt in another person 's name that is listed on my credit report-this is a HIPPA violation. I want this debt removed from my credit report.
Product: Credit reporting or other personal consumer reports

I have 4 inquiries on my credit profile that i did not authorized. Named as follow : 1. ) XXXX XXXX 2. ) XXXX  XXXX XXXX  XXXX XXXX 3. ) XXXX XXXX XX/XX/2023 4. ) CBNA XX/XX/2023 I have already contacted all 3 credit bureaus about this matter. XXXX and XXXX said that they could not assist me. Stated that I had to contact the original creditor which i already did to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX closed in XX/XX/XXXX and my loans were transferred to Mohela. XXXX incorrectly reported my loans as delinquent for 90 days. These show twice on my credit report with all 3 agencies. XXXX  is reporting delinquent XXXX-XXXX. XXXX is reporting my payments late XXXX-XXXX and states the date last paid was XX/XX/XXXX which is incorrect. XXXX  is showing my loans late XXXX-XXXX which is also incorrect. I am attaching proof of my payment record : XX/XX/XXXX {$100.00}, XX/XX/XXXX {$100.00}, XX/XX/XXXX {$100.00}, XX/XX/XXXX {$100.00}. As soon as my loan transferred to Mohela, I made all my payments on time until I paid off the two loans in XXXX. 

I called XXXX in XX/XX/XXXX and they refused to give me my payment history and told me to contact Mohela. I kept getting the run around with them and spent hours on the phone before giving up. I did contact Mohela and they said they could do nothing because they were not reporting as late. 

I recently pulled my credit report and I noticed that XXXX is still reporting me as 90 days late, this shows twice on all 3 credit reports and is majorly impacting my ability to approved for a mortgage. 

I tried to call XXXX but since they are shut down, I called Mohela and spoke to a supervisor on XX/XX/XXXX and they said they could not help me because they were not reporting me as late. The supervisor suggested I submit a complaint though CFPB. 

During the transfer of my loan, my payment history and payment status was incorrectly reported. I made a payment on XX/XX/XXXX to XXXX and that got sent to Mohela so I was not late in XX/XX/XXXX either. 

After a lot of hard work, I successfully paid off all my federal loans with monthly payments between XXXX-XXXX. I never had a late payment with any of my servicers as shown with the 9 student loan accounts on my credit report. This is impacting my life and ability to finance a house and car.
Product: Debt collection

I began receiving bills from Americollect requesting payment for a debt I did not recognize. I repeatedly asked for verification that the debt belonged to me. I have the dates and certified receipts of the letters mailed requesting proof of this debt. I also asked the credit bureaus to provide the information used to make them believe the debt was mine and subsequently adversely report it on my files. From Americollect I only recieved new bills and from the bureaus, I received correspondence stating the debt was validated. How can this be possible?! How can no one prove it to me but can prove it to an outside source?
Product: Debt collection

LVNV Funding Inc was sent a cease and desist letter in XX/XX/2023 and was notified of these accounts arising from identity theft. A report from the FTC was generated and submitted. LVNV still wrongfully attempted to collect this debt and is acting as a third party of which there is no original contract with. 
LVNV and XXXX XXXX XXXX XXXX .wrongfully debited {$1500.00} from a bank account that was not authorized this amount. There was also in fact a payment plan in place in which XXXX XXXX XXXXXXXX XXXX  wrongfully debited an amount that was NOT authorized. These are in fact unfair debt collecting acts and go against the FCRA laws. See attachments of identity theft form and cease and desist dispute letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681 ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX, did not modify or removed anything. 

The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit reports Which is a violation. This is impacting me from moving forward to buying a house for my family. 

I attach my previous credit report and my new credit report to show how XXXX violated my rights. 

Never missed a payments : XXXX XXXX date XXXX XXXX, fraudulent account : XXXX - XXXX date XXXX XXXX Past due amount and payment : date XXXX XXXXXXXX XXXX XXXX Fraudulent account : XXXX XXXX date open : XX/XX/XXXX  Fraudulent account : XXXX XXXX XXXXXXXX date XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Pa, XXXX **Consumer Financial Protection Bureau*XXXX XXXX XXXX XXXX XXXX, IA XXXX Dear CFPB, **Subject : Complaint Regarding Unauthorized Hard Inquiries on My Credit Report** I am writing to file a formal complaint against the inclusion of unauthorized hard inquiries on my credit report, which I believe constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b.

**Details of the Complaint : ** Upon reviewing my credit report from [ Credit Reporting Agencies : XXXX , Equifax , XXXX ], I discovered the following hard inquiries that I do not recognize and did not authorize : XXXX. **Inquiry Date : ** [ XX/XX/year> ] **Inquiry Company : ** [ XXXX XXXX ] **Credit Reporting Agency** [ XXXX ] 2. **Inquiry Date : ** [ XX/XX/year> ] **Inquiry Company : ** [ XXXX XXXX ] XXXX*Credit Reporting Agency** [ XXXX ] 3. **Inquiry Date : ** [ XX/XX/year> ] **Inquiry Company : ** [ XXXX XXXX ] **Credit Reporting Agency** [ Equifax ] 4. **Inquiry Date : ** [ XX/XX/year> ] **Inquiry Company : ** [ XXXX XXXX ] **Credit Reporting Agency** [ XXXX ] **Violation of the Law : ** Under the FCRA, 15 U.S. Code 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, such as with the consumer 's written authorization or for certain permissible purposes. These inquiries were made without my consent or knowledge, which is a clear violation of the FCRA. 

The unauthorized access to my credit report has negatively impacted my credit score and caused me significant distress. I have not applied for credit with the above-mentioned companies, nor have I given permission for them to access my credit report. 

**Request for Action : ** I request the CFPB to investigate this matter and ensure the immediate removal of these unauthorized hard inquiries from my credit report. Additionally, I seek assurance that corrective actions will be taken to prevent such violations from recurring. 

With this Complaint are copies of my credit report highlighting the unauthorize inquiries, along with a copy of my identification for verification purposes. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

PNC refuses to allow me to tie my debit card or other accounts to XXXX -- for deposits into my XXXX account when i use my PNC debit card.
Product: Credit card or prepaid card

I had gift card with Sacks Fifth Avenue, balance from card was stolen by someone, supposedly someone purchase some jewellery item and shipped to State or FL and multiple requests to a company to clarify was no avail. Company provided contradictory info and never provided to where funds or items were shipped, to whom, and I was recycled for 2 years. 

Company scammed me.
Product: Debt collection

This agency is violating your Consumer rights by using false misleading, misrepresentation, and deceptive means. I have already made efforts to resolve these issues with them directly. They are violating my rights, and I am entitled to {$1000.00} for each violation mentioned. They need to either compensate me or delete these accounts immediately.
Product: Debt collection

Identity fraud regarding a company named GoodLeaf, LLC. It appears that the company has placed a XXXX lien against a rental property I own for a loan I didnt apply for fraudulently. I have never applied for a loan with this company and the address listed on the XXXX financing statement under my name is that of my rental property I own and not my personal address. 

The account number listed on the XXXX financing statement is : Acct # : XXXX The company address is : GoodLeap , LLC XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX Theres also a XXXX XXXX XXXX as : GoodLeap , LLC XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Debt collection

I discovered several unauthorized accounts on my most recent credit report, which I believe are fraudulent. I ask that they be promptly blocked and removed.