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

I was expecting wiring instructions for down payment and closing fees on a home purchase, and received fake wiring instructions pretending from " XXXX XXXX XXXX, P.A. '' which were sent from from XXXX account as " XXXX '' Received several emails starting XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) I wrote a letter ( letter dated - XX/XX/22 to each bureau. I sent a first request for review and deletion based on my most recent Credit Report.I then sent certified mail demanding the Bureau. 
12 ) The credit bureau 's have not responded to my initial or Demand Lette.
Product: Money transfer, virtual currency, or money service

I submited a wire on XX/XX/XXXX, money never arrived untill now On XX/XX/XXXX i got an message thru my chase app, saying that my money where on hold due to a potential sister company of a XXXX company wich has sanctions So just to be clear company i owned is XXXX XXXX, wich is a transportation company here in XXXX, active since XX/XX/XXXX, the company they decided has a relationship with that XXXX company, is called XXXX XXXX XXXX, wich is an outsource company for my transportation company, they provide dispatch services, wich we have invoices and all the documentation for that, after providing all this info to Chase Bank, they said they need XXXX hours to process the info, and money will reach the recipient, after XXXX hours, money never arrive, and are not there untill this moment, after calling and calling again, nobody know when this will happen, and where money are at the moment, please help to find a solution
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent XXXX  severs letters asking for verification of the accounts. XXXX XXXX is updating accounts without properly investigation. I am not aware of any of the accounts reporting, therefore they need to all be DELETED.
Product: Credit card or prepaid card

Hello, I applied for and received a XXXX XXXX XXXX XXXX XXXX credit card. Although I fulfilled the spending requirements the Barclays did not provided the promised rewards. I complained both over the phone and then in writing, on X/XX/2017, please see attached scanned documents. This attachment includes : 1 ) my written complaint to Barclay, which details the rewards received, versus the rewards promised, 2 ) a copy of the XXXX XXXX XXXX XXXX offer, which supports my request, and 3 ) the answer received from Barclays, which just states We are currently unable to complete your request. This is unacceptable, Barclays should complain with its own offer!
Thank you XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CO XXXX
Product: Credit reporting or other personal consumer reports

it has come to my attention my personal information has been exposed in XXXX data breach. After reviewing my credit reports, I noticed some accounts i'm not familiar with. I have asked the CRAs for validation of debt, however the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. Please find attached my ID, the FTC complaint, a copy of the XXXX report showing my information being exposed in a XXXX data breach and a validation of debt letter.
Product: Debt collection

I sent an email below : Credence Resource Management , LLC : Please note, none of the accounts below you specified belong to me. Both XXXX and XXXX do not reflect the account numbers associated with my name, social security, or address. 
You also mentioned below in your email the XXXX account was recalled on XX/XX/XXXX. Is this a typing error on your part? Or was this an attempt to collect in XXXX and recalled it once your company realized it was fraudulent? 
Your company has NOT followed the correct protocol on contacting, collecting, verifying the consumers information. Therefore, all credit agencies should be made aware of the underhanded business you are conducting. 
I am attaching all the documents and correspondence that has been sent to me to date from your company. Neither the statements nor the accounts are acknowledged correct or truthful. They are falsified documents from your company. It is impossible to have a statement from XXXX from XXXX when the account was closed in XXXX. 
The only action would be to remove this from my credit report. Otherwise, I will have no option but to work with XXXX, XXXX and XXXX along with XXXX audit your records. 

Account XXXX : XXXX # XXXX XXXX XXXX : XXXX XXXX Thank you for your inquiry. 
Your account was recalled from Credence Resource Management , LLC and returned to XXXX-XXXX  on XXXX. 
Please refer any questions you may have about this account to XXXX-XXXX. 

Account Number : XXXX # XXXX XXXX XXXX : XXXX
Product: Credit card

I bought a mattress and a bed base on XXXX XXXX on XX/XX/year> for a total of XXXX $ but i opend a synchrony bank account i used it for that purchase because i have at least 36 months without interestXXXX XXXX delivered the set but the bed couldnt get in to my apartment.they return everything to slees numbert.when i called XXXX XXXX again they said the should ask me info about my apartment before i purchase the bed because its one piece.they said its not my fault they not gon na charge for that i have the prove of that to.every was finished.on XX/XX/year> i bought only a XXXX mattress for XXXX $ to pay in a year they delivered the mattress every thing was good.the never send me the card i had no ifon to pay the called me afer about one month 1/2 to infom me i wasnt paaid i told them i dind receive any card nor info to pay they said i have to pay XXXX $ each month to pay the full money in a year i accepted they took the money every months but synchrony bank over taking XXXX $ more after a year the refuse to give me the money back.i called i send letters with prove the never give my money back instead the say i have to pay more.they rob me XXXX $ and i need that money back.
Product: Credit reporting or other personal consumer reports

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  On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts to be deleted or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the wrong person.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX  Account Number = XXXXXXXX XXXX To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 

validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian score dropped 25 points due to XXXX reporting my account as closed. Per my Experian credit score, it was reported XX/XX/18. When I checked my score XX/XX/18 is when I noticed it had dropped. My loan in currently deferred, so it should not show as closed, as that is inaccurate reporting.When I check XXXX XXXX, which using a different scoring module, it shows open, as it should. I have called XXXX and was told they " have nothing to do with that ''
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH AT & T AND XXXX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED.

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}. Please remove this account ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is just ridiculous! I have been requesting for the removal of the disputed accounts and information from my Credit Report and it is clear that the Credit Bureaus have become negligent and incompetent of my requests as well as their responsibility with the FCRA section 605b. I have read that the Credit Bureaus are required to remove any account and information that resulted due to identity theft after 4 business days of the day of receipt of the letter. The fist letters I sent was dated XX/XX/2022 with complete attachments of my personal Information as well as the ID THEFT REPORT I received from the FTC. The last letter I sent was dated XX/XX/2022 with the same attachments. But despite all the attachments, letters, and CFPB Complaints I do, it is clear that the Credit Bureaus have never paid attention to my disputes and have kept stalling the removal of the disputed items. Under the provisions of the FCRA section 605, I need the following items deleted as soon as possible : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXXXXXX XXXX XXXX Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$320.00} XXXX  XXXX Balance Owed : {$23.00} XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

A hard credit inquiry was performed on XX/XX/XXXX without my consent from a company called XXXX of XXXX, Texas. Their current phone number is XXXX
Product: Credit reporting or other personal consumer reports

Dear Mr./ Mrs . 

I am writing you this letter regarding payments that were marked late by your company for the following on the following date ( s ) : XX/XX/year> It is my understanding that per 15 USC 1681 ( a ) ( 2 ) A ) 0 ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company.

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15.

You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the date specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would therefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX XXXX Transunion or all that apply ) and update the accounts to positive. 

Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. 

Regards/Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX SS # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

BACKGROUND INFORMATI XX/XX/XXXX XXXX XXXX XXXX  USA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX XXXXXXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. DPT EDXXXX XXXX {$7500.00} XXXX XXXX {$2600.00} XXXX XXXX XXXXXXXX {$450.00} XXXX XXXX {$630.00} XXXX XXXX XXXXXXXX XXXX {$620.00} XXXX XXXX  XXXX {$2600.00} XXXX XXXX {$1800.00} XXXX XXXX XXXX {$390.00} XXXX XXXXXXXX {$11000.00}
Product: Credit card or prepaid card

I received a Pre-approved Letter for a Credit Card from Capital One, where I have over {$90000.00} in their Capital One 360 Savings Account. The Credit Card Offer was a No Interest Offer. 

I went online, filled the application up to the point of " Submit '', hit " Submit '', but the link sent me to a unmarked box that wasn't checked. I hit the box, it scrolled out the Terms of the Credit Card, then in two seconds it disappeared. I had a blank screen momentarily, then I got a " Denial '' screen, telling me I wasn't approved for the card. 

I never hit " Submit '' after being sent to that unmarked box. I was reading the Terms when it all disappeared. I never agreed to the Terms and I never properly submitted the application. 

Within SECONDS, I had THREE e-mails from Credit Reporting Agencies telling me I just had a " Hard Inquiry '' on my Credit Report. 

Upon calling Capital One at around XXXX XXXX, I was told to call back at XXXX XXXX  at a different number and they would fix the problem for me. 

Upon calling that number at XXXX XXXX  ( when I had some time to do so ), I was told that they couldn't do anything about it and Capital One attempted to do nothing about it, even though I was told right after their link malfunctioned at XXXX XXXX  that I would be taken care of at this other number. 

I'm currently filing Complaints and seeking Legal Counsel regarding these " Bait and Switch '' practices and the malfunctioning application link of Capital One. 

I have suffered damages to my Credit Reports. I have suffered the loss of time, energy, and money fixing Capital One 's mistakes. 

I plan on recovering all Compensatory Damages caused by Capital One. 

I Do So Declare, XXXX XXXX
Product: Bank account or service

On three occasions, I have requested that my daily ATM withdrawal limit be raised from {$310.00}. The bank has refused to raise the limit, and when cash was needed for an emergency on a Saturday evening, I was unable to access my available funds.
Product: Debt collection

XXXX XXXX is attempting to collect through I.C. Systems. This is not mine. We have not had any services from XXXX XXXX. I use satellite for TV and Fiber for internet. I do not know what this debit is for or when it originated. I have received no communication from XXXX in regard to this debt. The first I have heard about this is a notification from XXXX that someone was attempting to collect a debt. I do not miss payments for anything. My payment history is perfect.
Product: Checking or savings account

the bank has not helped me with a charge back money they owe me back from a claim i had closed back in XX/XX/XXXX. the merchant is from XXXX for the amount of {$1900.00}. the money was returned back from the merchant and the claim was closed. on XX/XX/XXXX, the bank charged me back the money for it. temporarily credit was never issued. the bank takes fault for this transaction and promises me to return back my money but they have not.
Product: Checking or savings account

On XXXX a wire transfer was initiated between XXXX XXXX  XXXX XXXX to my trust account at Bank of America. This was the proceeds of a real estate transaction totaling {$610000.00} As of XXXX this money has not been deposited into my account. 

On XXXX I was able to contact B of A 's wire transfer department. I was told this money was on a compliance hold and B of A was waiting for a response from XXXX XXXX  to a series of questions. 

XXXX XXXX  says that B of A has not been in contact with them at all. 

I have attempted to contact B of A 's wire transfer department three other times ( and I am still attempting to do so ). 

As of today the only information I have been able to obtain is the funds are on a compliance hold. No information as to why or for how long has been provided.
Product: Credit card or prepaid card

I spoke with several representatives on XX/XX/XXXX regarding my credit card because they recognized possible fraud on my card. They blocked my card and sent out a new card. In the interim, the male rep also informed me that he would me emailing me a card that I could use right away that could be added to my digital wallet. He asked me if I was familiar with that and I told him that I wasnt very skilled but that I would figure it out because my vehicle was being repaired and I needed access to my credit card ASAP. Later that day when I tried to add the digital card to my digital wallet, it wouldnt work and I had to call back and I spoke with a femal rep and I remember her name because it is same as my daughter, XXXX. Their phones were so busy that it gave me the options to call me back when a rep became available and I took that option. The call came in at XXXX XXXX, PST and I explained to her that I was having problems adding the card to my digital wallet. She began troubleshooting and the total call duration was XXXX minutes and XXXX seconds. After some considerable amount of holding and troubleshooting, she was able to get the card added to my XXXX wallet. I also asked her if my mechanic wouldn't accept the XXXX wallet, would I be able to go into a local Navy FCU branch and do a cash advance and if so, would there be a fee involved. She said that she wasn't sure, and she placed me on hold. She returned to the call and told me that there would not be a fee involved and our call concluded. I went into the branch on Saturday, XX/XX/XXXX and I did a cash advance because my mechanic did not accept the XXXX wallet and I ran into multiple issues at the branch. I ended up leaving the first branch because they weren't telling me what I had discussed with the rep the night before even though I had asked for the branch manager. I went to a second location and finally got the cash advance so I could get my vehicle from the repair shop. Today is, Friday, XX/XX/XXXX, and I logged into the Navy FCU app, and I noticed an interest fee in the amount of {$50.00} so I called, and they advised me that it was for the cash advance, and I was obviously not pleased. I spoke with a supervisor, and she said that another supervisor named XXXX said that she listened to a call on XX/XX/XXXX ( that never took place for the record ) and that I was never told anything about a cash advance fee and of course not because that is not when the call happened. It is so sad that Navy FCU is documenting such outrageous lies to cover up for the fees that they are charging me after the fact. Please investigate this travesty so that banks stop this kind of illegal behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXXDate of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. I will also file with the CFPB and FTC! This is unacceptable!
Product: Credit reporting or other personal consumer reports

I checked my credit report and I am upset about what I found out. There is a XXXX payment remarked on it but I did not incur any XXXX payments.
Product: Mortgage

I applied for forbearance with My loan care LLC due Covid-19 and got approved for the period starting on XX/XX/2020 to XX/XX/2020, on XXXX of XXXX, the mortgage bank reported the bureaus company that I have a delinquency which is completely wrong bcs Im still under the forbearance. I contacted the bank three times and the problem not been fixed so far. That delinquency report dropped my credit score 85 points for both of me and my wife.