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

I hope this message finds you well. My name is XXXX XXXX XXXX XXXX XXXXXXXX, and I am writing to you regarding a concerning issue I have encountered with my recent attempts to make a wire transfer from my Chase account to another American bank. I went a couple of weeks ago to your agency in XXXX and talked to XXXX XXXX about my account. 

Despite multiple attempts, my transfers are consistently delayed and denied, and I have been receiving fraud alerts from Chase. I have diligently responded to all requests for information, yet the issue persists. This has caused significant inconvenience, and I am reaching out to seek your assistance in resolving this matter promptly. 

I understand the importance of security measures in financial transactions, and I assure you that all the provided information is accurate and legitimate. The delays in processing my wire transfers are impacting my financial transactions and commitments. 

I kindly request your immediate attention to investigate and address this matter urgently. If there are any additional steps required from my end or specific information needed, please inform me promptly so that I can facilitate the resolution. 

I appreciate your prompt attention to this matter and trust that you will ensure a swift and satisfactory resolution to restore the functionality of my account for wire transfers. 

Last but not least, if not solved this situation I will ask for the help and assistance of the Consumer Financial Protection Bureau ( CFPB ) and my attorneys will sue Chase in the United States and seek compensation for the harm they are causing me and the loss of time incurred. 

Thank you for your understanding and cooperation and please send this statement to the director or the manager in charge at Chase who can promptly address this situation. 

Your urgent attention to this issue is crucial, and we hope for a swift resolution. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX debt card number XXXX -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

ON MY CREDIT REPORT A COMPANY CALLED DITHECT, I HAVE Disputed THIS ACCOUNT WITH credit bureau 's and then they the credit bureau Company contacted them and then all of a sudden they contacting us ... it 's been a charge off for a long time over 7 years ..now all of a sudden they reporting it recent and ca n't even list what the amount of payment..we never had a mortgage with Dietech. I had to put a fraud alert on all the Credit bueru 's this is one thing..the other thing is a company called XXXX ... they are another one reporting as charge off and with a comment unable to reach us..well us never had any contract with XXXX..and we never moved, never changed phone number, and now they reporting it as recent date while it should be removed..it 's way past the FCRA of 7 years And they also could not put the amount of payment..they broke the law and I will be filling a lawsuit against the credit bueru 's for doing this and allowing it and also for mental harassment on making our credit to be effected ... the credit bureau 's ca n't report one thing and then update with dates and numbers ..., done we are at our end of being harrased..please help seek why credit bueru 's are allowed to break the laws just because some company that does not even belong to us told them this is updated dates and numbers .it 's against FCRA law to do this..
Product: Mortgage

Hello, I am writing regarding the harassment & fund embezzlement done by PHH mortgage company XXXX XXXX XXXX. We are the current owners of this property and are having difficult time getting our house repair completed ( water damage ). We closed this house on XX/XX/XXXX. 

XXXX XXXX XXXX has sent the check to the PHH Mortgage of {$14000.00} dated XX/XX/XXXX check # XXXX. PHH Mortgage company have already cashed it out but are not diverting the funds towards right claim ( they are not sending it back to us on XXXX XXXX XXXX ) .Claim # XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX. 

My realtor contacted and I personally called PHH mortgage company on several occasions.PHH mortgage is giving my realtor, previous owner and us a run around. 

We are harassed mentally physically and monetary wise.Kindly, help us by intervening into plea of our. 

Best Regards : : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I received an alert from the credit monitoring company called myFico stating that Equifax had posted XXXX hard inquiries on my credit report. The hard inquiries were from : 1 ) XXXX  XXXX XXXX XXXX posted on my credit report on XX/XX/2022 2 ) XXXX  XXXX XXXX XXXX posted on my credit report on XX/XX/2022 3 ) XXXX XXXX XXXX  XXXX posted on my credit report on XX/XX/2022 Upon seeing these unauthorized inquiries on my credit report, I contacted Equifax. The Equifax representative I spoke with advised me to send a written dispute to Equifax with my ID. I adhered to his advice and sent the documents. 

When I called, to inquire about the status of my disputes, I was told I had to wait ten business days. After 10 business days I called Equifax, I was told to send an affidavit. I drafted and sent a notarized affidavit. Equifax confirmed they received the documents and requested that I needed to send an FTC affidavit which I have included in this report. 
This matter remains unresolved, and Equifax has not taken the necessary steps to restore my reputation. When I called Equifax, they referred me to the companies ( XXXX  XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX ) When I contacted Bank XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX regarding these inquiries, none of these companies had any documentation to suggest that I had either applied for a loan or credit card on XX/XX/2022 or XX/XX/2022. I have offered to schedule a conference call between these companies XXXX XXXX  XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX ) and Equifax. Thus far Equifax has been uncooperative. 

These inaccuracies continue to damage my reputation with employers and creditors. It is also worth noting that of the XXXX ( XXXX, XXXX, and Equifax ) credit reporting agencies only Equifax has these inquiries listed on my credit report. I hope this matter gets resolved as soon as possible. PLEASE HELP ME.
Product: Debt collection

This company does not report to all credit bureaus that debts hv been paid, They reported that i paid my debt to XXXX XXXX XXXX XXXX XXXX to XXXX but refuse to send the information to XXXX. Capio partners XXXX file id XXXX original account # XXXX paid XXXX to XXXX XXXX for services XX/XX/2012. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Since this is not the first time I contacted the bureaus ( XXXX, XXXX and Equifax ) via phone, online and mail to concerning inconsistencies reporting across all XXXX bureaus on my credit report. 
I have highlighted the items I disputed on the enclosed copies of the reports I received from XXXX different credit monitoring agencies. 
It is my understanding that you will investigate all the items I have highlighted to ensure accuracy and delete the inaccurate information. XXXX are held to authenticate that they're correct to report deficient and erroneously of evident compliance of factual reporting particularly in relations to correct mandatory processes of lawful reporting obligatory complete XXXX formatted compliance of reporting standards. This is not an option. This is violation of my consumer rights. 

Please produce undeniable documented certified proof of claims and the claim 's reporting processes and format complaint status or else stop reporting said claim. 

Please provide me with an update credit report once this process is complete. 
I appreciate your help with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 tried again to get TransUnion credit report was informed that it was frozen due to incorrect input. It was reset password was provided. I was able to use temp password and changed password. When I logged in, I see my name no file number or credit report. I do a live chat with XXXX who states theres a report with all my info. I ascertained that Im in the correct website, confirmed by XXXX eservice.TransUnion.com and nothing. Now it will not enter site at all. So I had to call to annual credit report via telephone to get a written paper format of my report. Only TransUnion is giving me problems. XXXX and XXXX are on point.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/XXXX- XX/XX/XXXX I went to a Dealership called XXXX automotive group at this location when they filed for me to lease a car they put XXXX hard inquiries on my credit report. This is a violation to federal law 15 USC 1681b These hard inquiries is holding me back from getting accepted for my credit. I have been trying to dispute these claims but the application won't allow me.
Product: Credit reporting or other personal consumer reports

Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given to anyone listed below written, unwritten, verbal, and nonverbal per 15 USC 6802. I am invoking my rights under 15 USC 6802 to opt out of the disclosure of my information. 

This is a list of all hard inquires that are reporting to my XXXX, XXXX, AND EQUIFAX which is in violation of my privacy rights under the Privacy Rights Act of XXXX, 15 USC 1681 permissible purposes, also 15 USC 6802 and 15 USC 6805 disclosing of personal information. The companies stated below and also XXXX, Equifax, and XXXX all broke the law and need to be held accountable for their illegal and unlawful actions. None of the companies listed below were given written consent by me to obtain my information or disclose it. I have attached my credit report as proof of discrepancy on my credit file, all three credit bureaus are reporting different information, some are reporting specific hard inquires and the others reporting the other ones which is in violation of 15 USC 1681, inaccurate reporting on my credit file, the reporting are not matching up and every hard inquiry needs to be removed immediately as they each are subject to {$1000.00} fine per each violation. I have did my due diligence of complying with the law and filing an identity theft report with the irs that has been filed which I have attached a copy of that document as well. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After pulling a copy of my Consumer credit report I noticed that the credit agencies are in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the investigation. Under FCRA 15 U.S. CODE 1681 B in case of liability of a natural person for obtaining a consumer report under false pretense or knowingly without a permissible purpose, actual damages sustained by the consumer as a result or {$1000.00} whichever is greater! 

ACCOUNTS XXXX XXXX Account # : XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) Account # : XXXX INQUIRIES : XXXX XX/XX/20XXXX XXXX XXXX XXXXXX/XX/2021
Product: Debt collection

Wells Fargo Auto, please refer to this complaint which has to do within your company. I have submitted a couple of complaints to the FTC and NC AG. I also called Wells Fargo Auto this day and was told about third deferment. 






Your complaints XXXX XXXX XXXX XXXX Loan Struggling to pay your loan WELLS FARGO XX/XX/2021 Open Sent to Company XXXX XXXX XXXX XXXX Loan Managing the loan or lease WELLS FARGO XX/XX/2021 Closed Company responded XXXX XXXX XXXX XXXX Title loan Loan payment wasn't credited to your account WELLS FARGO XX/XX/2021 Closed Company responded XXXX XXXX XXXX XXXX Title loan Vehicle was repossessed or sold the vehicle WELLS FARGO XX/XX/2021 Closed Feedback provided XXXX XXXX XXXX XXXX Loan Struggling to pay your loan WELLS FARGO XX/XX/2021 Closed Feedback provided XXXX XXXX XXXX XXXX Domestic ( US ) money transfer Fraud or scam XXXX XXXX XXXX XXXX XXXXXX/XX/2021 Closed Sent to Regulator FTC
Product: Credit card

I have worked for XXXX XXXX XXXX  for XXXX XXXX XXXX  years, On XXXX XX/XX/23, I logged into my XXXXXXXX XXXX XXXX member account and found a transfer and purchased made without my permission since my personal information like my SSN, date of birth, and possibly other IDs have been compromised. They mailed me a new card a few months ago, which I have not activated yet due to identity theft, and they do not trust me as the owner of the account event though I have been with them for XXXX  years or more. They do not allow me to activate my card for the last 3 months. However, they allowed the hacker ( XXXX ) to make a transfer under my name. So, I called Synchrony Bank again to let them know about it, but still want more info from me since refused to accept that I am the owner of the account. I sent them some of the information they needed from me but wanted my utilities bills, which I have told them time and time again I do not have have because I live in a group home.
Product: Money transfer, virtual currency, or money service

We sighed up for a Square , IncXXXX XXXX account in hopes to XXXX XXXX XXXX at a local garage sale. We opened an account at the bank to deposit credit card sales. We made credit card sales for {$240.00} that was never deposited Instead they withdraws {$720.00} from the account. The bank was able to pull the money back and the credit card sales were still not posted. We contacted Square and was told we were associated with an other account that had a deficit. For over XXXX weeks we have talked with Square and they are unable to tell us how we are associated with the other company and they refuse to deposit our charge card sales due to the deficit of the other company. 

( Please see attachment for further details )
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am submitting this complaint regarding inaccurate collection accounts that have been reported on my credit file by all three major credit bureausExperian, XXXX, and XXXX. These accounts do not belong to me, and despite multiple disputes, the credit bureaus continue to verify them as accurate without providing proper validation. 

Details of the Issue : The credit bureaus are reporting collection accounts that are not mine. 
I have disputed these accounts multiple times, yet they remain on my report as verified without sufficient proof of their legitimacy. 
I have requested that the bureaus provide documentation showing that these accounts are valid and belong to me, but I have not received any adequate response. 
These inaccuracies are negatively impacting my credit score and financial standing. 

Actions Taken by Me : I formally disputed these accounts with Experian, XXXX, and XXXX. 
I requested verification and supporting documentation for these accounts. 
Despite my disputes, the bureaus continue to report the collections as accurate without proper validation. 

Requested Resolution : I request a thorough investigation into these accounts. 
If the bureaus can not provide proper documentation proving that these accounts belong to me, they should be immediately removed from my credit reports. 
I request that the credit bureaus comply with the Fair Credit Reporting Act ( FCRA ) and provide a clear explanation of their verification process. 

This matter is urgent as it is affecting my financial opportunities. I expect a timely resolution in compliance with federal consumer protection laws. 

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

On XX/XX/24 and XX/XX/24 TRUIST AUTO, I noticed a credit inquiry that I did not authorize on my XXXX XXXX credit report. 
I did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 15 U.S 1681a ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. and a serious breach of my privacy rights. Please validate this information with these companies, and provide me with copies of any documentation associated with these accounts. bearing my signature, authorizing an inquiry. In The absence of any such documentation bearing my signature, I formally request that this fraudulent inquiry be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation as provided by the Fair Credit Reporting Act section 611.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA VIOLATION, not my name, not my address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Y 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: Vehicle loan or lease

I currently have an auto loan with Ally Financial. I am near the end of my loan and am ready to pay-off the loan. Now that I am ready to pay-off my loan, Ally has added late-fees to my loan. These 'late fees ' began in XXXX thru current. However, these fees never showed in the current balance due. When I contacted Ally for an explanation of these fees and why they were never included in my current balance due they said that as a convenience to their customers they put the late fees on the end of the loan. But as a customer it would have been easier for me to pay any late fees when I paid my car note each month instead of them accumulating any late fees thru the life of my loan and sticking them onto the end of my loan. I called Ally on XX/XX/XXXX in an attempt to pay-off my loan but the pay-off amount given online was not the same as the pay-off amount given my the CSR I spoke with at Ally. I requested that the late fees be waived since my current balance due never reflected any late fees and they Ally said that you can only request that late fees be waived once over the life of the loan and I exhausted that request in XX/XX/XXXX. But I was unaware that I had late fees so how could I request that my late fees be waived when I was unaware of any late fees on my loan? Also, my payment history shows several months of over payment of my loan but the over payment amount was never applied to the 'late fees ' on the loan.
Product: Credit reporting or other personal consumer reports

I have written Experian, Equifax, Transunion and XXXX XXXX Several Times. This account has been in error after writing them time and time again. It is over 90 Days and after XXXX attempts of asking them to correct the errors I always get a letter back saying the account has been validated. This is against my rights as a consumer to have a correct credit report. 

This account is in error : XXXXXXXX XXXX  XXXX XXXX ) Shows Last Verified by XXXX XXXX XXXX XX/XX/XXXX, Experian Not Reported and Equifax Not Reported. 
XXXX ) Shows XXXX by TransUnion on XX/XX/XXXX and Exp and Equi on XX/XX/XXXX XXXX ) Shows Date Reported by Trans Union on XX/XX/XXXX, Exp on XX/XX/XXXX and Equ on XX/XX/XXXX XXXX ) Last Payment shows Transunion on XX/XX/XXXX, Experian on XX/XX/XXXX and Equifax on XX/XX/XXXX How can all 3 credit bureaus be reporting different information. This is wrong and illegal especially after I have informed them several times of the mistakes and yet it still shows wrong.
Product: Debt collection

Complaint is against Sequium Asset Solutions. 

XXXX XXXX XXXX continued to charge me for an account I did not intentionally open. On multiple occasions I attempted to cancel the account and refund charges. The account was closed and refunds discharged in XX/XX/2021. On or about XX/XX/XXXX a new charge for {$330.00} appeared on the account even though it was closed. I was unaware of this charge and later unaware that it was referred to collections because I suspended all service with XXXX XXXX XXXX due to military service. 

When I emailed Sequium to contest the debt in accordance with their notice ( which I eventually obtained via mail forwarding ) I received no response. I contacted them 3 times, once via their online system and twice by phone. I was told on the phone that they would address my contest of the debt with XXXX XXXX XXXX. 

After finally making headway with XXXX XXXX XXXX whose support team determined the charges were incorrect I was able to have the amount due cancelled. The debt is effectively resolved. 

But.. prior to this I received an email with a from line of XXXX XXXX XXXX Mobility but was emailed from XXXX as a reply to my request to contest the debt that read " Thank you for reaching out to us about your account. Attached is your final bill of {$330.00} which also includes detailed balance information. You may visit www.sequium.com to make a payment using your debit/credit card or checking account. Please feel free to reach out to us if you need additional payment options. 

This is an attempt to collect a debt. Any information obtained will be used for that purpose. This communication is from a debt collector. '' It is clear that Sequium repeatedly willfully ignored my requests to contest the debt, failed to communicate properly with the status of my contest of the debt, demanded payment instead of respo ding to my contest, and possibly failed to allow me to contest it at all ( because rhey did not communicate confirmation or status ).
Product: Credit reporting or other personal consumer reports

I filed a dispute on Account # XXXXXXXX XXXX XXXX XXXX  due to the account does not belong to XXXX XXXX denied to follow up with the investigation. I recently was notified that that CFPB has filed a lawsuit against the company ( experian ). They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed immediately. As it is affecting my chances on purchasing my home. XXXX violates my my rights as a consumer as well as federal laws.