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

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 47 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX and XX/XX/XXXX, loan amount was incorrectly reported. I have documentation showing a drastic increase in which the company did not provide any updates in writing.
Product: Credit reporting or other personal consumer reports

According to the FCRA. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or have responsible cause to believe that the information is inaccurate. I have filed several complaints with the CFPB also with the federal trade commission about this violation of my rights. This credit reporting agency has failed to do a investigation according to the guidelines of the FCRA. The accounts listed below are the accounts in question. 
XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX I have filed serveral disputes with these companies and they still continue to VIOLATE my rights.
Product: Money transfer, virtual currency, or money service

MESSAGE TO CONSUMER FINANCE PROTECTION BUREAU XX/XX/2022 From XXXX XXXX XXXX On or about XX/XX/2022, I issued instructions to my bank, XXXX XXXX XXXX XXXXXXXX. at their XXXX XXXX, NC branch at XXXX XXXX, to send a Bank Wire Transfer in the amount of XXXX {$59000.00} to Santander Bank, XXXX. XXXX XXXX XXXX XXXX, branch at XXXX DE, XXXX XXXX, to the credit of XXXX XXXX XXXX, account number XXXX. XXXX XXXX XXXX  transmitted this wire transfer on the same day. 

On XXXX XXXX Santander Bank contacted XXXX XXXX XXXX  to confirm if the wire was legitimate or fraudulent. XXXX XXXX contacted me and on XX/XX/2022, I confirmed to my bank that the Wire Transfer was valid and XXXX XXXX Bank sent a message to the beneficiary bank informing them that the wire was not fraudulent. The next day, I received a phone call from an unknown Vice President of Santander Bank requesting information from me as to the purpose of the wire and again questioning the validity of the Wire Transfer. I reassured him that this wire was for a legitimate business purpose. That same day I received a phone call from my contact that was in contact with an official from XXXX XXXX  XXXX informing me that Santander Bank had frozen the bank account of XXXX XXXX XXXX for some unknown reason. 

For that reason on XX/XX/2022 I requested my personal banker at XXXX XXXX, XXXX XXXX XXXX, to initiate a recall of these funds, i.e. XXXX, and a fraud recall request was sent to the beneficiary bank the same day. In response to the XXXX XXXX request, Santander Bank requested a Hold Harmless Agreement on XX/XX/2022. The XXXX XXXX XXXX XXXX XXXX Department informed me that the Hold Harmless Agreement was sent to Santander Bank on XXXX XXXX. As of today, nearly 60 days after this Hold Harmless Agreement was sent to Santander Bank, the funds have not been received by XXXX XXXX Bank. 

The client, XXXX XXXXXXXX, through my contact, tells me that Santander Bank is telling them that they are returning the {$59000.00} to me. But now over 90 days after this Wire Transfer was sent to Santander Bank, and 60 days after the Hold Harmless Agreement was sent to Santander Bank, the money is still being held for no good reason by Santander Bank. 

Please investigate this matter and get a reason for non-return of my money. Neither XXXX XXXX Bank nor Santander Bank is crediting interest on my money that is being held unlawfully by Santander Bank. I want this money returned to me without further del
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I just got call from Columbia services / they did not disclose reason and any right to dispute and were asking sensitive personal information without disclosing themselves
Product: Credit reporting or other personal consumer reports

There are unauthorized items on my credit report that stem from fraudulent use of my personal information, and I have never benefited in any way from these transactions. Recognizing the seriousness of this, I promptly filed a report with the Federal Trade Commission, hoping for a resolution. Unfortunately, despite taking the appropriate steps and reporting the fraudulent activity, these items remain on my credit report. This ongoing situation has become increasingly frustrating, as I am dealing with the consequences of someone else 's misuse of my information.
Product: Debt collection

Complaint - Consumer Financial Protection Bureau ( CFPB ) What is this complaint about? I sent 2 certified mailed Validation of Debt letters to Portfolio Recovery Associates. The company failed to respond to my certified letter in the 30 business day timeframe. The company continues to call me after receiving the Notice to Cease and Desist letter. 
The Statue of Limitation on this kind of debt in Texas is four years, which makes this debt expired. I have also showed proof of Residence and given a copy of my Texas Driver 's license. 

What type of problem are you having? It's been over 35 days and it is still showing on my credit report. 

What happened? I have disputed this claim 3 times with XXXX, 2 times with XXXX  and XXXX, with no resolution. 

What company is this complaint about? The Company this complaint about is Portfolio Recovery Associates. 

Who are the people involved? The people that are involved Portfolio Recovery Associates, XXXX, XXXX  and XXXX.
Product: Credit reporting or other personal consumer reports

I'm writing to express my concerns on a couple issues I've encountered with the credit bureau. False account listings, numerous illegal inquiries, inaccurate credit reporting, inconsistent billing, and accounts that are not mine are some of these issues. 

In order for me to be financially secure, I need assistance in solving these issues.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours, stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the fair credit reporting act FCRA 15 USC section 1681i which mandates the reasonable investigation of disputes furthermore, Equifaxs actions may also contravene the consumer financial protection act CFPA 12 U.S.C. section 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPBs recent Administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations I request that the CFPB take action to ensure Equifax complies with federal law and provide consumers with the necessary proof of the investigation.
Product: Credit reporting

Hello I received a letter from Experian stating that a few collections that I disputed where deleted from my credit report and they where up until two weeks ago when an account that was previously deleted was put back on. That collection is XXXX for {$2400.00} Account # XXXX. Today I received yet another alert that a collection was added from XXXX that was previously deleted, Account # XXXX. I called in to speak with customer service and was treated horribly. I 've never had a problem with their customer service until today. She was very nasty and rude to me and argumentative towards me basically calling me a liar when I have documentation from Experian as well credit reports that shows these collections where removed. I also sent a pay to deleted letter to XXXX and they accepted my offer and cashed the check agreeing to delete the account. I sent a copy the letter and check to Experian and they will not delete this account either even though I have sent in documents stating that the account is paid in full.
Product: Money transfer, virtual currency, or money service

The seller XXXX XXXX based in XXXX kept postponing of shipping in stock orders because they were too busy handling other orders. After Paypal dispute time period was over the seller stopped responding. Paypal denied my dispute requests because their 180 days payment protection period is over.
Product: Checking or savings account

I had 2 accounts opened up that I do not recall opening with Chase that were overdrafted. I've tried solving this with the bank and filed a police report which they refuse to accept and told me I needed to go to another agency to file ( filed with State Police ). This is going back and fourth with no resolution and no assistance.
Product: Debt collection

I have contacted XXXX System/XXXX  XXXX several times to inform them this debt does not belong to me to which they state they will update their information and stop sending me letters but they repeatedly do so in an attempt to illegally collect another individuals debt and in direct violation of the fair debt collection and credit act. 

I would like to pursue further action to stop their illegitimate harassment and collection efforts by any means available to me. First step is to publish this formal complaint. I have copies of all letters sent with dates and times of phone calls made.
Product: Credit card or prepaid card

I paid off my balance of {$10000.00} prior to the due date. On my next statement I received {$270.00} in interest. How can this be when I paid off my balance? They said I agreed to this when I signed up. I have never experienced this before, this seems like a new and unfair fee. They charged me interest TWICE on the same amount of money!
Product: Money transfer, virtual currency, or money service

Around XX/XX/2023, I fell victim to an elaborate scam that resulted in both emotional and financial loss. The scammer, who identified themselves as XXXX, manipulated me into sending my hard-earned savings under false pretenses. Our communication initially began with good intentions through XXXX, but it later became clear that XXXX was scamming me. Despite feeling pressured to comply with her instructions, I ultimately lost a total of XXXX USD through wire transfers to XXXX XXXX XXXX Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed information with Transunion credit agency a few weeks ago and the dispute is now complete. Since then, I have not been able to access an updated credit report online or freeze/unfreeze my report. Creditors are receiving outdated information. At first Transunion said it was due to my dispute. Well that has been complete since two weeks and I am still unable to access. I have called and did live chats with representatives and they keep stating a " special handling team '' is working on it. I need to view my report after those disputes and it is against my consumer rights to not have access to my credit file. This has been a hassle and I do not know what else. They originally did a stall tactic, which is illegal, when I sent a letter to them asking me to verify I sent it so I had no choice but to dispute online which never renders greats results. Please help me as this is now causing me to lose out on money due to not being able to have access to my report for something very important. I am now afraid that there is incorrect information on my report as Transunion has eluded to according to the screenshot and anyone can now access my report. Had I not realized this, I would have NEVER known because they failed to make me, the consumer aware.
Product: Debt collection

in XXXX I had set up payment arrangements to pay off two credit card debts this company took control over. I missed 2 payments so on XX/XX/XXXX the company garnished from my bank account the remaining balance and the debt was satisfied. On XX/XX/XXXX this company garnished {$470.00} again from my bank account. After contacting the company and confirming that this is THEIR mistake and that the debt was previously paid off they continued with the garnishment and took the money from my bank account. Several attempts via phone were made to try and contact them and have the money released by to me and they would not answer the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX  Equifax continues to report a closed account late. They have done this 2 months in a row which has negatively affected my credit score in a tremendous way. They refuse to remove the late remarks. This needs to stop and those late reports needs to be removed
Product: Credit reporting or other personal consumer reports

I do not consent to e-OSCAR verification and want an actual living human to read this complaint. I will have my invoice for damages and federal consumer violations attached below. Also, a marked-up consumer report showing the US DEPARTMENT OF EDUCATION violation 's that EXPERIAN are XXXX with the accounts. Every marked/circle furnishing are violations of the Privacy Act of 1974, 15 USC 1681, 15 USC 1681e , 15 USC 1681b , 15 USC 1681n and 15 USC 1681a , 15 USC 1681c , 15 USC 6801, Family Educational Rights and Privacy Act, and 15 USC 1681s-2 each. There are well over a 100 federal consumer violations EXPERIAN is furnishing with the US DEPARTMENT OF EDUCATION accounts on my consumer report. I fully intend to pursue arbitration or litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance in reference to me being violated by the US DEPARTMENT OF EDUCATION reporting 's.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/2024 CREDIT INQUIRY ON REPORT THAT I DO NOT RECOGNIZE
Product: Credit reporting, credit repair services, or other personal consumer reports

On a XXXX report that I, the consumer, XXXX XXXX XXXX, obtained from them, XXXX, dated XX/XX/2021. In reviewing this report, I discovered that XXXX illegally disclosed negative nonpublic personal information publicly to nonaffiliated third parties when they, XXXX reported multiple transactions in relation to bankruptcy case filings to third party consumer reporting agencies XXXX, Experian, and XXXX in direct violations of the following : 15 USC 1681 ( a ) ( 4 ), and 15 USC 6802 ( b ) ( 1 ) ( b ) ( c ). This is in direct violation of I, the consumers right to privacy. At no time have I, the consumer, given XXXX permission to report these private transactions publicly. Additionally, at no time was I, the consumer, given disclosure and opportunity by XXXX XXXX XXXX before this information was initially disclosed / reported by them to not disclose this information nor was I, the consumer, given disclosure that I, the consumer, could exercise the nondisclosure option, which I now choose to exercise.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are incorrectly reporting me as an Authorized User on XXXX card ending in account # XXXX I called XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however Equifax and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. The negative reporting is harming my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : The right to contest my credit report is something that every American has, and I am exercising this privilege. I understand the nature of these proceedings- it's not just about whether or how much money was owed, but also what kind of debt loadurbances can have on your life if they're left unchecked! The report-ability of any derogatory and or delinquent act is oftentimes questionable.I challenge this notion as I do not believe in reporting something unless there's factual documented proof to support it.You must report compliantly and accurately per federal and applicable reporting laws of my state. It is unlawful and unethical to retain any information which you know or should know does not comply with regulations.This letter to you serves as a wake-up call to you to ensure that all data with my credit report is factual and incompliance with Metro 2 format reporting standards. I request that you validate with physical ( in writing to me as a response ) verifiable proof of permissible purpose for any of the alleged delinquent/derogatory accounts allegations of inquiry ( ies ) .Thankfully, I'm giving you 30 days to complete your investigation into the validity of this claim. If it's current and compliant with regulations then we'll leave things as they are ; but if not - well... I demand that you remove them from reporting ( my credit report ) immediately.I request that you send me physical documents proving your action ( s ) and my updated personal credit report following any correction ( s ) .The following items appear questionable in reporting! Please ensure that each item below is accurate, reporting compliantly, completed and timely being reported or DELETE immediately :
Product: Credit reporting or other personal consumer reports

I am sending to follow up on my previous complaint regarding errors in my credit reports. I have observed that no deletions have occurred as requested. I am planning to update my credit reports once more within the next 15 days. I am earnestly requesting that the Credit Bureaus promptly remove the following items from my credit reports, as mandated by the FCRA section 605b, which requires Credit Reporting Agencies to remove any items listed on an identity theft report. Items requiring removal within 15 days are as follows : XXXX : XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX : XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX TRANSUNION : XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

XX/XX/21 Amount {$640.00}, Affiliate Asset Solutions , LLC claiming that I have a debt and trying to collect some debt that I have no idea about, and they regularly sending letters. I don't have any debt that is out for collection. Nothing in their letters states who is the creditor, writing XXXX or XXXX doesn't state what are they referring to. No one has time to go around and see what are they trying to do, I think they are scammers and trying to hack our information to cause me damages and I would like this to stop ASAP. They are making me frustrated and I'm very sensitive at heart, It hurts me when they send illegal letters to harass me. 
This must STOP and I like to file a complaint against them of harrsmenet. 

Affiliate Asset Solutions , LLC XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, GA XXXX PH XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I attempted to send {$130000.00} to Bank of New York Mellon by wire. The money was sent by XXXX XXXX XXXXXXXX. I did not receive a wire receipt. The recipient called New York Mellon to inquire about the receipt. The money was sent by ACH instead of wire. New York Mellon stated to recipient that it would have to be resent by wire. I notified XXXX  XXXX XXXX immediately and requested a recall. I was told that a recall applies to wires only. No terminology for ACH was given. XXXX XXXX  XXXX suggested I file a claim. I was hesitant thinking it would only delay things further. 

The money has never been returned to my bank account. I filed a claim on XX/XX/year>, filled out the necessary paperwork and both mailed and faxed the claim information. I have followed up every day since then and have been told by XXXX XXXX XXXXXXXX that the return of funds could take up to 45 days. I was later told it would take 60 days. When I mentioned that a purchase of property was involved, there was never any urgency on the part of either bank. 

Each time I reach out to XXXX XXXX XXXXXXXX, I am given different information regarding a time frame. Bank of New York Mellon says that XXXX XXXX XXXXXXXX must electronically request the money be returned. For such a large amount of money and property on the line, I feel taken advantage of. There is never a good or steady explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Once again Im having to dispute these crooks posting inaccurate data on my credit report!

The Delinquency date is wrong in one or the other!

They claim both bills were from one visit why would there be two different dates a month apart!

Delete these accounts from my credit file! These crooks used unlawful HIPPA violation document to unlawfully validate these accounts! 

Youre all gon na be sued!
Product: Money transfer, virtual currency, or money service

I set up a square account, accepted my payment from my customer that was owed because the items were already shipped out and Square up and deactivates my account with a large sum of money on hold. 

Their hold was arbitrary and capricious ; that ample proof was given to validate transactions ; that after proof was provided the resolution time was unwarranted.