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

On XX/XX/XXXX I was contacted by Wells Fargo, or thought it was them about a charge on my debit card that was denied. I then got a call from them saying my accounts had been compromised and they needed to shut them down. They were sending me codes that I had to read back to them, which I think were codes giving them access to my accounts. Later there was a message that a wire was initiated and I freaked. They said all my money was in my account even though I showed it was gone. The next day, XX/XX/XXXX, they tried it with my business account but I then knew something was wrong so I called Wells Fargo and get it stopped. At that time XXXX claims were created for the wire fraud that went through and the one that didn't. They told me it would be about 5 days to investigate. The one that they didn't get the money was resolved right away and closed. I waited until the XX/XX/XXXX to call and the person I was talking to said the one were they got the money wasn't opened for investigation until XXXX. They denied my request to return the money because XXXX had denied it. Why I am so upset is that if they had jumped right on it maybe that money might of still been in the XXXX account but instead it was 5 days after filing. My case # is XXXX for the money they got. I am not a rich man and Wells Fargo has been no help. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX someone attempted to purchase a XXXX  XXXX XXXX through XXXX. They attempted to finance the auto via various financial institutions. A police report has been filed with the XXXX, CA Police Department. They also stated I worked for XXXX XXXX XXXX. 

They applied for financing at the following banks : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Ally Bank XXXX XXXX XXXX  XXXX XXXX The individuals that attempted to use my identity entered the following demographic info Phone XXXX XXXX XXXX email XXXX I would like these inquiries removed from my credit report as they are affecting my quality of life.
Product: Debt collection

On XX/XX/17 I contracted with XXXX XXXX at XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX, XXXX XXXX, XXXX FL XXXX Phone # ( XXXX ) XXXX to help with filing my back tax returns. The IRS had already begun to levy my Social Security income for an inflated amount taxes, fees, and penalties. I contracted with XXXX to 1 ) stop the levying of my SS Income. 2 ) File back taxes for six years to correct the amount I owed to the IRS. 3 ) Negotiate a repayment plan with the IRS. Total contracted price to cover their work was established at {$3900.00}. XXXX acquired financing for me through XXXX XXXX ( also known as XXXX XXXX XXXX ). XXXX negotiated a settlement with the IRS and stopped the levying of my SS income after about 3 months. XXXX never filed any back tax returns for me or negotiated a correction in the amount I owed the IRS. I received a letter stating they were then closing my file. I felt they had over charged me for what work they actually done on my behalf. I negotiated with them. XXXX issued a {$2400.00} refund payment to my XXXX account. All was then good with XXXX. $ XXXX a {$1400.00} loan amount. 

XXXX XXXX had charged me an application fee upfront of 5 % on the full {$3900.00} but refused to give me credit for the total loan reduction. XXXX just subtracted the {$2400.00} from the total balance owed and continued to charge me interest on that unpaid balance. I feel I was overcharged on the initial loan application fee, as well as interest on an incorrect total loan amount. When I tried to negotiate with XXXX, they charged off the account and sold it to another lender, Collins Asset Group. Collins Asset Group and XXXX XXXX XXXX are both reporting unpaid accounts to the credit bureaus. They both refuse to correct my original loan amount and unpaid balance owed. Their actions are also hurting my credit rating. Please help me with these abusive lenders.
Product: Credit card

XXXX XXXX in full XXXX for {$3900.00} made to Capital One for account XXXX XXXX XXXX Confirmation code : XXXX XXXX Capital One rejected payment- Returned Online XXXX XXXX XXXX XXXX Balance in full Payment for {$3900.00} made to Capital One for account # ending XXXX. Confirmation code : XXXX XXXX Capital One rejected payment- Returned Online XXXX XXXX XXXX XXXX  Capital One charged {$29.00} Past Due Fee XXXX Capital One closed account # ending XXXX. 

XXXX XXXX in full, minus {$29.00} past due fee, payment for {$4000.00} made to Capitol One for account XXXX XXXX XXXX Confirmation code : XXXX XXXX Contacted Capital One regarding rejected payments and found account had been closed. Spoke with representative who would only read a script stating account was closed in accordance with contract with Capitol One. 

XXXX repeated same script and refused to provide any contact information on how to escalate to XXXX or XXXX response/complaint department. XXXX refused to give name or agent ID #. Stated there was not other option and disconnected call. 

Contacted XXXX agent with Capital One, verified account information from online payment was correct with bank and processed payment over the phone. 

Asked agent to waive past due fee for {$29.00} based on system error and was denied the request. XXXX stated there was no other department to assist with complaint for waiving {$29.00} fee or reopening account based on system error. 

XXXX XXXX for {$4000.00} cleared bank.
Product: Credit reporting or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : XXXXXXXX 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 EQUIFAX MORTGAGE SERVI XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX, Equifax and XXXX XXXX are not responding to any of my requests to investigate, verify and provide me with the documents with the original signatures proving I opened the accounts.
Product: Mortgage

An insurance check in the amount of {$220.00} from my home owners insurance policy was sent to Shellpoint Mortgaging Servicing for endorsement. They are currently refusing to endorse and return the check. The repairs were completed and they sent an inspector to access that the repairs were actually completed. They were provided receipt of payment to the contractor that the repair was completed. However, the are requesting additional documents at this time and the contractor can not be reached.
Product: Credit card

My account gotten closed for no reason and was making unauthorized purchases and I wasnt able to get back in it
Product: Debt collection

I have prevuosly submitted a cease and desist on XX/XX/XXXX with a statement to this company, along with information indicating that this bill was settled with the Creditor on that same day. 

I was sent another letter dated XX/XX/2023 trying to collect this amount. This is 2 violations of the FDCPA for failing to cease communications and misrepresentation of the status of the debt. This was an obvious attempt to collect money not owed.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following entries on my credit report is the result of identity theft and should be blocked.

I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent INQUIRIES that are not associated with me. All agency both via fax and through Certified mail. 
In addition, I request the immediate removal or the following fraudulent INQUIRIES FROM MY CREDIT REPORT. 

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: Checking or savings account

XXXX XXXX branch manager, Wells Fargo refuses to send statements by mail or with password through to same email on record. I spoke to XXXX last week and gave several account numbers.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to dispute the presence of fraudulent accounts on my credit report for the nth time. Despite my repeated efforts to rectify this situation and provide substantial evidence of the fraudulent nature of these accounts, they persist on my credit report, causing significant harm to my creditworthiness. 
Account Details : XXXX XXXX XXXX XXXX I have submitted disputes for these accounts on multiple occasions, providing comprehensive supporting documentation, identity theft affidavit, and all correspondence with the fraudulent creditors. Copies of my identification for verification purposes have also been submitted. 
Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are mandated to investigate and address disputes in a timely manner. I want to reiterate that these accounts are the direct result of identity theft, and I bear no responsibility for the debts incurred under my name. Their continued presence on my credit report is both damaging and unacceptable.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX {$140.00} XXXX  XXXX {$500.00} XXXX XXXX  {$620.00} XXXX reporting negative car was traded total of 35 Hard Inquires dating back to XX/XX/2024
Product: Credit reporting or other personal consumer reports

Identify theft XXXX XXXX  someone used my personal information to obtain a credit card from XXXX XXXX I did not approve or authorize this credit card the amount XXXX the date account was closed is XX/XX/year> 2024
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to formally request the removal of outdated personal information from my credit report. I have noticed that my credit report contains old names, phone numbers, and addresses that are no longer relevant or accurate, and their presence on my credit report may lead to confusion or inaccuracies. 

Below, I have outlined the outdated personal information that I would like to have removed from my credit report : 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  PERSONAL STATEMENTS XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR XXXX YEARS BEGINNING XXXX. 
I believe that the presence of these outdated personal details is unnecessary and may lead to inaccuracies in my credit profile. Removing them will help ensure the accuracy and clarity of my credit report, which is essential for my financial well-being.

I kindly request that you initiate the process of removing the aforementioned outdated personal information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I understand that the FCRA requires credit reporting agencies to maintain accurate and up-to-date consumer information.

I appreciate your prompt attention to this matter and kindly request confirmation of the actions taken to remove the outdated personal information from my credit report within the timeframes specified by the FCRA.
Product: Credit reporting

I am trying to open a new account and the lender says my Equifax is frozen. I did not place a freeze on my account and Equifax does not offer any method to contact them by phone for details on who and why there is a freeze on my credit score. If contacting them by mail they request a member number for their fee based credit monitoring service. 
They should offer a customer service phone number to resolve issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Transunion is in Violation of 15 USC 1681b-Permissable purposes of consumer reports ( a ) In General subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to who it relates. 

I never gave XXXX or Transunion any consent to report anything on my consumer report, No consent is identity Theft. Attached is a copy of the law. 

Concerning the account listed below as a consumer I'm demanding a deletion of this account immediately or I will seek damages in small claims court in my city and state. As the original creditor only I can validate the debt. I Do not Validate this debt. Please Delete all accounts from my credit profile immediately in the amount of {$2100.00} and {$1700.00}.
Product: Money transfer, virtual currency, or money service

I have 2 accounts with Crypto.com, each account has its own email and phone number. My first account I got locked out of ( Email : XXXX ) because I did an update and the phone number that was on the account I no longer have. They told me that I had to send in a picture with my name date and a code and they would change my phone number. I did everything like they said and they changed my phone number. My 2nd account I got locked out of as well ( Email : XXXX ) when I had an app. update last week on Thursday XX/XX/XXXX  that I did. When I went to log in the phone number that I had changed the week before was not updated. So when the app. update was done, it was asking for me to put the code that was sent to a phone number that I no longer have. I contacted Crypto.com the guy told me to take a picture of myself with my name, the date and a code and they would change my phone number. It would take 24 hours to update. After 24 hours another person XXXX answers saying that I have to speak to someone to verify that I am who I am. They asked me some questions like what was the last purchase. I know that I answered that wrong, I did purchase the crypto that I said that same day but it wasn't the last purchase that I made because I had made several different purchases. After the call XXXX said I failed the verification and that she wasn't going to speak to me again. Said that there is nothing further to be done. That no one was going to speak to me. So all of my investments they think they are going to keep? I have all my bank statements and emails from Crypto.com confirming the purchase I need my phone number changed on my Crypto account to have access to my investments. I did all these transactions with my wife 's checking account that we share together.
Product: Money transfer, virtual currency, or money service

They wont connect my account to XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( bX4 ) 5-1002.142 ( b ) ( 7 ) When your bul that day, printo ation fost of treat creat Reporting Act. I am a victim ofXX/XX/XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts, XXXX XXXX XXXX XXXX. {$2100.00} XXXX XXXX XXXX XXXX {$2000.00}
Product: Credit card or prepaid card

On XX/XX/2017 I went into XXXX XXXX to buy a gift. 

When I was at the counter paying the XXXX XXXX asked if I wanted to open a XXXX XXXX card which I was under the assumption was a rewards card. Not a credit card. The representative made me enter all my information to submit it and mentioned nothing about running a credit score. I was denied from the rewards card and asked why that was the case and she said because I had no credit experience. 


I go to check my credit score a few months later and there a mark on score for a Hard Inquiry from XXXX XXXX that obviously I was unaware of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never gave Experian Permission to furnish this information on my consumer report on my behalf. I am demanding Experian remove all following information in attached letter from my consumer report. 15 USC 1681 ( b ) Permissible Purpose - Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Experian please provide a contract between you and I bearing my wet ink signature to furnish this information onto my consumer report. In absence of such contract remove all items in letter attached.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 To Whom it may concern : RE : Request for Immediate Reinvestigation under 15 U.S. Code 1666b Dispute of Late Payments and Reporting Inaccuracies To Whom It May Concern, I am writing to dispute several items on my credit report that have not been properly investigated. It is clear that your verification process was inadequate, merely relying on my last four SSN digits ( XXXX ), which is not sufficient for a thorough investigation. I am disputing the following accounts : 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 ( Account number : XXXX ) These inaccuracies are detrimental to my credit rating. I am demanding an immediate and proper reinvestigation under 15 U.S. Code 1666b. Additionally, as required by the FCRA ( Public Law 91-506, Title VI, Section 611 ), provide the names and business addresses of the individuals or entities with whom you verified these accounts so I can follow up directly.

Please send me an updated credit report reflecting any corrections once the reinvestigation is completed. 

This matter is time-sensitive, and failure to comply will result in further action as I intend to protect my rights under the law. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I made a transfer from Bank of America XXXX XXXX XXXX in XXXX. The transaction was sent in reais, but XXXX XXXX XXXX only accepts payments in dollars. The transfer amount was {$150000.00}. After XXXX business days, XXXX XXXX has not received the money and can not locate it. I need to request a refund and can not. I would like to localize the transaction to request a refund. BOFA did not provide the swift to locate the money. I am waiting for support to resolve the issue.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Hard Inquiry on my Credit Report Dear Sir/Madam , I am writing to officially dispute a hard inquiry that is listed on my credit report. After reviewing my credit report obtained from your credit reporting agency, I discovered an inquiry that I did not authorize or recognize. I request an immediate investigation into this matter and ask for the removal of the hard inquiry from my credit profile. 
Details of the hard inquiry : - Inquiry Date : XX/XX/year> - Company Name : XXXX XXXX XXXXXXXX XXXX XXXX I would like to highlight the following concerns regarding this hard inquiry : 1. Unauthorized Inquiry : I have not given consent to XXXX  XXXX XXXX XXXX XXXX or any other entity to perform a hard inquiry on my credit report. This unauthorized inquiry has been detrimental to my credit score and overall financial well-being. 
2. Lack of Information : I am unaware of the specific purpose for this inquiry. I have not engaged in any new credit applications, loan requests, or any other activities that require a hard inquiry during the stated time frame. 
3. Possible Error : It is possible that this inquiry has been reported incorrectly, or there may potentially be an identity theft issue. I request a thorough investigation to verify the legitimacy of this inquiry. In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to a prompt investigation of this disputed inquiry. 
Therefore, I kindly request that you initiate the investigation immediately and provide me with a written response within the legally mandated 30-day period. Please provide me with the following information upon completion of your investigation : 1. Confirmation of the legitimacy of the hard inquiry. 2. The source of the inquiry. 3. Steps taken to rectify any errors or inaccuracies in my credit report. 4. Verification of the removal of the disputed hard inquiry from my credit profile. 5. Updated copy of my credit report reflecting the amendments made. I understand the importance of maintaining accurate and up-to-date credit information. I respectfully request your urgent attention to this matter and appreciate your cooperation in resolving the dispute promptly. Enclosed with this letter are copies of relevant documents supporting my dispute. Should you require any further information or documentation from me, please do not hesitate to contact me using the information provided above. Thank you for your immediate attention to this matter. I look forward to receiving a satisfactory resolution to this dispute within the designated timeframe.