23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 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.

Here is the list of account/items which do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXX Date Opened : XX/XX/15 Balance : {$2100.00}, According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company kept charging my credit card and continually deleting negative items and then putting them back on within a week of it being deleted. I spoke with customer service and also have the email confirmation confirming my account cancelation. Not even XXXX minutes they tried to charge my card again after telling me that my account is cancelled. 
I have emails as well as notifications from My card company.
Product: Credit reporting, credit repair services, 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 U.S.C. 1681 Account Name XXXX XXXX XXXX  ; Account Number : XXXX, Account Name : XXXX XXXX XXXX, Account Number : XXXX, Account Name : XXXX XXXX XXXX, Account Number : XXXX, Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX XXXXXXXXXXXX, Account Name : XXXX XXXXXXXX XXXX, Account Number:XXXX, Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX, Account Name : XXXX XXXX XXXX, Account Number : XXXX, Account Name : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX, Account Name : Bankruptcy XXXX XXXXXXXX, Account Number : XXXX, Account Name : XXXX XXXX, Account Number : XXXX, Account Name : XXXX XXXX  Account Number : NONE, Account Name : XXXX XXXX, Account Number : XXXX, Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX, Account Number : XXXX, Account Name : XXXX XXXX XXXX, Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX. 

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.

15 U.S.C. 1681 s-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 or other personal consumer reports

Experian is reporting information illegally bought by a creditor while I a victim of domestic XXXX  stalking and XXXX. I sent them even more proof and they still denied my request and left the report on my credit.
Product: Mortgage

Wells Fargo put a stipulation for the date they must receive an offer in order to entertain a short sale. I have a XXXX % backed VA loan, so Wells Fargo will receive all of their money regardless. They are trying to foreclose on the home now even though they will get all of their money when the house sells.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was paid as agreed, the company agreed to remove when balance was paid, the account is still on credit.
Product: Checking or savings account

On XX/XX/2022 my Robinhood LLC cash account was once again restricted, placing the {$4000.00} in my account out of my reach. Robinhood did this to me before, see prior complaint from XXXX. Robinhood refuses to give any information that would allow me to remedy the situation, no explanation of what happened, just a kafkaesque process in which humans seem to have no control over the seemingly omnipresent " system '' that is keeping me from accessing my money to pay rent. My paychecks are direct deposited in the account, as they have been for months. I hold some investments in the other part of the account, but utilize their cash management and debit card for primary banking. 

It would not be so bad if you could speak to someone who could walk you through expectations and assist accordingly. The customer service team seems to be isolated on some island where all communication with members outside of their direct team, or at least the impression received when numerous requests for call backs are simply ignored. I've asked Robinhood to unfreeze my account and allow me to transfer assets to one of the linked financial institutions in my account so I never have to deal with this absurdity again.
Product: Credit reporting or other personal consumer reports

Experian, XXXX, XXXX is fraudulently reporting an accurate identity theft across all three consumer reports from XXXX XXXX is fraudulently reporting different reports on all 3 of my Consumer Reports this is Identity Theft and fraud. 
There are different dates and amounts across all 3 reports this is unlawful Reporting and violates my Consumer Rights. DELETE these accounts immediately and update my Consumer Reports today. XXXX XXXX
Product: Bank account or service

I ordered a pair of boots from an online merchant which I never received. I followed up with the merchant many times and then realized it was a scam. I disputed with my bank, BOA, and they refunded me the total amount, {$150.00}. I was told by the associate that this happens a lot and it would be no problem. About a month later I received a letter from BOA saying that the transaction occurred more than 60 days ago so they would be reversing the refund. I was never told by the first associate that the date would be an issue. When I called in to inquire I was put on hold for 23 minutes and then told that there was nothing I could do that the money would be taken out of my account. The associate said, " we 're a bank and we like money, so if there 's anyway to keep the money we are going to ''. He had someone whispering to him in the background on what to say and was not very helpful. At the time the claim was filed, BOA knew it had been past 60 days since my original transaction and should be more upfront about the process. I feel like I am losing the {$150.00} all over again.
Product: Credit reporting or other personal consumer reports

I discovered that undisclosed personal information was shared with a non-affiliated third party without my written consent. This violates the Fair Credit Reporting Act ( FCRA ) and my right to control the disclosure of my personal data ( 15 U.S.C. 6802, 15 U.S.C. 1681b ). As per the FCRA, I must be informed and empowered to opt out of such disclosures, which did not occur.
Product: Debt collection

In XX/XX/XXXX Jefferson Capital LL or Jefferson Capital System depending on the credit report used opened a collection account for the creditor XXXX. I have never to this day had any form of communication with the collector. I had medical debt when I was younger and a doctor informed me of the important of not having contact with collectors as that would allow the collector to reset the statue of limitations. This same collector has illegally reset the time as they are now reporting the account was opened in XX/XX/XXXX over a three year difference. This reset without any contact from my behalf is against FDCPA. I am asking this debt collector is investigated and my because of the clear violation of FDCPA that the debt be removed from my credit report altogether as this debt collector can not be trusted to follow regulations.
Product: Checking or savings account

Today, XX/XX/2018, I spoke with a Wells Fargo Bank representative. There were unauthorized transactions on our bank account. I disputed them, and read my email today. It said investigation was complete and I would get a letter explaining more about it. After checking my account, I noticed a credit of only {$22.00}, from Wells Fargo. Like I said earlier, I then called and spoke with a Wells Fargo representative. The agent noticed the amount was low, and said the amounts disputed were a few XXXX dollars. He referred me to a claims specialist. I spoke with a claims specialist, and she said, Wells Fargo can only credit the first 60 days of unauthorized transactions. The other amounts will take 45-60 days to see IF Wells Fargo can get it back. She said it is because it is through the Merchant directly, that is why it takes so long. I felt like something was wrong with that Picture? That is why I'm reaching out to you, so I can have my claim expedited. Still {$400.00} that Wells Fargo hasn't credited me back. Again, my email from Wells Fargo, did say, that an error had occurred on my account, from unauthorized transactions. Please help me, and Wells Fargo expedite the situation! Thank you.
Product: Debt collection

After calmly explaining that I am unemployed and have no ability to pay debts at this time, the rep on the phone yelled at me repeatedly "pay your bills!! Pay your bills!!" they also refused to tell me what the hospital bills were for specifically. I feel very violated and harassed.
Product: Money transfer, virtual currency, or money service

Good afternoon. My name is XXXX XXXX. I initiated a wire in the amount of {$51000.00} to Binance US on XX/XX/2023. Here is a summary of the matter after plenty of correspondence : They felt like they needed to verify that it was really me sending funds via wire from my bank account so they made me submit a video of myself holding my driver 's license and answering questions according to a format/template that they sent me. I also had to provide a bank statement to them. After submitting those things, they came to the determination that they needed to conduct a phone interview with me. They asked me to submit some days and times that I would be available. Almost immediately after I gave them my availability, they responded that my account access with them had been XXXX and that I could not login. They instructed me to contact my bank and have the wire recalled. My bank ( XXXX XXXX XXXX ) told me that it was far too late to have the wire recalled because Binance US had already received it and the time frame was beyond the wire recall option. After submitting a support ticket in reference to the details above on or before XX/XX/2023, Binance still hasn't returned my funds. Furthermore, my account access is still restricted and I can not even login to initiate a return of the funds myself. 

It's {$51000.00}. That's a lot of my money to be holding without them even giving me a time frame of when they will properly address the matter. Please see below for their most recent correspondence to me today XX/XX/2023 when I told them I was going to submit a complaint to the CFPB : " Since you are no longer permitted to use Binance.US services, we recommend initiating a wire recall by contacting the XXXX of your bank that was used to sent the wire deposit. They should still be able to recall the wire, since it has not been accepted by our payment processor. 
If they are not able to recall the wire, please continue to await communications from our back office team regarding the return of these funds to your bank account. Unfortunately I can't offer an exact time frame as to when, but you will likely be given a window of time to withdraw your funds before your account is officially closed. That said, this decision will be at the discretion of our back office team, and it will be communicated via your email support ticket. 
I do apologize for any inconvenience surrounding the length of this process. I can assure you that our back office team is still working to complete their review of your account though, and you can expect to receive further communications from our team via your email support ticket as they make progress with this process. '' I've been in communication with them since XX/XX/2023. They already knew I sent the wire from my account and have already known that my bank said they couldn't initiate the wire recall a long time ago. At this point they are just an egregious amount of time to refund my money and are just being downright disrespectful. 

Thank you for your assistance in the matter. 

XXXX XXXX
Product: Checking or savings account

I canceled my XXXX XXXX  membership in XXXX, XXXX. The spoke with XXXX XXXX 4 times as well as disputed the charges with Chase. Chase continues to allow XXXX XXXX to bill my debit card for a monthly fee of {$34.00}. I don't know what to do to get this charge to stop. I have contacted the merchant. I have email proof as well as disputed the charges with Chase. 

XX/XX/XXXX {$34.00} XX/XX/XXXX {$34.00} XX/XX/XXXX {$34.00} XX/XX/XXXX {$34.00} XX/XX/XXXX {$34.00} Please assist me in resolving this issue.
Product: Credit reporting or other personal consumer reports

Kindly delete these inquiries. I am not informed about this matter, and the company proceeded without my approval.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I requested for Experian, to do a full investigation on XXXX XXXX XXXX XXXX Also provide me with verification that I owe this fraudulent amount of {$4500.00}. They have yet sent me any proof showing I owe this {$4500.00} fraudulent amount. the original creditor is XXXX XXXX XXXX. I dont owe them anything all my payments made on time I have provided Experian with my copy of rental Agreement and copies of all my payments made on time. All they keep doing is updating the date and amount refuse to investigate with the original creditor my proof of documents I have sent them Im asking that the remove this XXXX XXXX XXXX XXXX from my credit profile.
Product: Credit card or prepaid card

Customer service is very very poor. They don't want to help and solve the problems of the customers. I always pay my bills online through XXXX XXXX  and upto now I never had any problems with any parties. But I have problems with XXXX XXXX XXXX only. 

I always pay ontime but this XXXX XXXX XXXX charges me late fee and interest stating that they received the payment late, may be they posted it late. Why I have to pay the above charges when I am not at fault. Please see to that, it never happens again to anybody.
Product: Credit reporting or other personal consumer reports

I told Experian, XXXX, and XXXX to reinvestigate these accounts all the accounts that were listed in my first claims. however, they stated everything was complete and accurate but on all reports Im not wrong open dates. Dates of last activity are incorrect accounts number are wrong and according to 15 U.S.C 1681i ( 5 ) They are supposed to modify accounts that arent reporting correctly. Ive also stated in the claims, they have violated 15 U.S. C1681 section 602A and 15U.S.C 1681 section 604A and 15 U.S.C1681 section 604A. I have disputed letters Ive send emails, affidavit sent, and invoices have been sent to the collectors as well. I have all reporting all my evidence that I need all documentations all receipts from when everything was mailed and email for my case.
Product: Mortgage

I have been round and round with this processing company in regards to them being ill equipped to manage our mortgage in regards to our hazard insurance policies. We have carried the maximum amount of flood insurance on our house since we purchased the house in XXXX. We have never faulted on it. In fact we carry a secondary flood policy on our detttached garage and that is where their system could not handle it. We got numerous letters from FirstBank saying they were going to put Forced Hazard insurance on our loan, because their system kept only showing the secondary policy. I would speak with numerous " managers '' supposedly who claimed to have this canceled, but yet I discover a " forced hazard '' payment was taken out of our account on XX/XX/XXXX in the amount of {$950.00} and it was never refunded to our escrow account. 
I spoke with " XXXX '' yesterday who was telling me her system shows it was refunded, I requested this proof because it did not show it in my Transactions Details page. She asked if I wanted it nailed mailed or emailed, I said emailed today. She then stated it would be a few days before that could happen. Why would it take a few days to take a screenshot to proof this was refunded?

I am really tired of dealing with this company and them forever making BIG mistakes with our loan and escrow.

We are only one family that has caught the numbers mistakes. I am sure they have done this to many others.
Product: Credit reporting or other personal consumer reports

Account Review Inquiries from XXXX XXXX unauthorized
Product: Credit reporting or other personal consumer reports

I am formally dispute inaccurate information that appears on my credit report regarding certain accounts that have been erroneously marked as late payments. After conducting a thorough review of my financial records and payment history, I have confirmed that these payments were made on time and should not have been reported as late.

The incorrect reporting of these accounts has had a negative impact on my FICO Score, which can affect my ability to secure credit, loans, or favorable interest rates. As a consumer, I have the right to ensure that my credit report is accurate and reflects my true financial responsibility. Under U.S. law ( 15 U.S.C. 1666b ), which governs the reporting of late payments, I am entitled to a fair and thorough investigation of any disputed information on my credit report.
Product: Credit reporting or other personal consumer reports

Unable to create an account online via ChexSystems website, I get and error 801, or an error saying my security quiz questions have reached its limit. Over the phone support keeps telling me to call XXXX, and they say to call ChexSystems. I am just needed to dispute some inaccuracies and outdated information on my consumer report.
Product: Checking or savings account

I deposited a check on XX/XX/2019 and Wells Fargo stated the hold will be 7 dayis time, which is highly unusual. The amount of the check was a large amount, however, Wells Fargo lied to me on XX/XX/2019 and I spoke to a XXXX XXXX and he stated that the check did not clear when it did clear and they had the funds but did not deposit the funds into my account until 7 business days later which means they kept my funds for over 10 days even though they had cleared and cashed the check from the issuing bank the next business day. I came back to the branch on XX/XX/2019, and spoke to the branch manger, XXXX XXXX, and he stated that they will not give me my funds but they waived my overdraft charges. When asked why waive the charges, he stated he was doing this out of common courtesy and not bank policy which is another lie.I want to inquire about these fraudelent practices of holding funds and not giving the funds to the account holder even when the funds were available to the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized solicitation to other parties. Score fluctuation without just cause.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 there are 3 inquiries from XXXX XXXX and two from XXXX XXXX. 
These are ALL REgarding ONE refinance inquiry I made. I contacted XXXX XXXX of XXXX XXXX. After sending him documents FOR TWO WEEKS to look for a lender as he deals with wholesale mortgage lending. He informed me that he had no time to work with me and said he was handing me to XXXX XXXX to manage. This guy sits in a desk near XXXX and he said he would give him my file. 

WITHOUT INFORMING ME, he pulled my credit report. However, instead of reviewing my file carefully, XXXX XXXX made TWO MORE inquiries on my credit file. I NEVER was told the name of his company XXXX, he simply made 2 more inquiries!!!! Further, he stated that he must 'pull a report ' three times for each bureau! He lacks understanding of the process and I want two of those inquiries removed as they were not done with permission or consent. I have another mortgage lender I am working with and they received ALL 3 credit bureau reports in ONE 'pull ' or inquiry. 

Thank you for helping me get these removed. I did confirm with XXXX XXXX that he works 'under ' XXXX XXXX but that he has his company XXXX.
Product: Credit reporting

I am filling this complaint because Transunion has ignored my request to provide me with their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section XXXX ( XXXX ) ( XXXX ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX is reporting a XXXX XXXX XXXX XXXX ending in XXXX. This is not my card. My cards end in XXXX, XXXX, and XXXX. I disputed with Equifax but they are not reporting this card on my credit report. XXXX dropped my score XXXX points because the card ending in XXXX is past due. This is not my card. I reached out to XXXX and no resolution to date.
Product: Debt collection

On XX/XX/2018 at XXXX XXXX, I contacted XXXX XXXX on behalf of a debt that I owe the company. I had a XXXX XXXX XXXX credit card with them with a limit of {$300.00}. I contacted the company in hopes of setting up a repayment plan but instead I was told that there was nothing they could do because I was in the process of being sued and my check would be garnished. I asked for the collection company that I could contact, the young lady could not give me that information. She told me the only thing I could do was pay the {$700.00} in full or I would be sued. I thanked her for her help and told her to have a good day. I checked my credit report and found that they reported that I was supposed to be paying {$13.00} a month. This option was never offered to me. I want a fair chance to resolve this solution if possible.
Product: Money transfer, virtual currency, or money service

XXXXsent {$370.00} payment to wrong person on cashapp. contacted support while transaction was in pending status to request to cancel after attempting 4 times nothing was done reps kept ending chat would not address request at all then once transaction completed was not showing in transaction history and support refused to cancel nor provide support and refund request show pending
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXXXXXX XXXX XXXX reported to XXXX, Experian, and XXXX late payments on my credit report per 15 USC 1692, 15 USC 1666b, CFR 1026B, FCRA 15 USC 6802 I would like the late payment deleted off my credit report as soon as possible thank you.