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

I sent a wire transfer of {$930.00} from my XXXX account to my XXXX account ( which uses Wells Fargo as their partner bank ) on XX/XX/XXXX at XXXX XXXX. I did not know of the maximum XXXX wire transfers a week rule, so this was the XXXX one and it was declined by XXXX on XX/XX/XXXX at XXXXXXXX XXXX XXXXXXXX informed me that it actually declined the next day XX/XX/XXXX at XXXXXXXX XXXX and that within XXXX hours it would be sent back to the bank the wire originated from. That would put it sent back no later than Friday XX/XX/XXXX at XXXXXXXX XXXX, it never showed up. I talked to my XXXX bank first on Friday XX/XX/XXXX and again yesterday XX/XX/XXXX and they verified it had not been sent yet as of XX/XX/XXXX. They told me to ask XXXX for documentation showing they sent the wire back and XXXX refuses to provide me with this documentation. I've talked to numerous " customer support agents '' and none have helped me a bit. They just give me the same regurgitated information saying it will be sent back in XXXX hours, we are way past that now. I reached out to Wells Fargo customer service today XX/XX/XXXX and they were no help either. The lady kept cutting me off and asking me if I had a Wells Fargo account. I told her multiple times that this wire transfer was made via Wells Fargo, I used their routing number and my account number provided by XXXX. Neither XXXX nor Wells Fargo is assisting me in any manor to find out what is going on. I need a resolution on this ASAP!
Product: Checking or savings account

I went into the TD Bank Branch on XXXX XXXX XXXX, XXXX, NY XXXX, on Sunday, XX/XX/2022. I went in with 3 checks and {$1500.00} cash, Two checks were for my daughter 's account that is connected to mine and the other check was a personal check from my boss. There were two tellers working that day ( Since i did not get there names i will describe them : One was XXXX XXXXXXXX Women and the other was a XXXX XXXX XXXX Male. My teller was the male. I handed him everything and told him my daughter 's checks needed to be deposited into her account or TD will place a hold on it. I instructed him to put my work check in my primary checking account as well as the {$1500.00}. 

I Usually deposit my checks mobile deposit because I like to keep them for my records. I asked him for the checks back and he looked caught off guard and said " I can't give them back to you '' in a strange tone. I then said " OK well can you give me a copy i need them for my records '' He goes to make the copies and he takes such a long time. He keeps waling back and forth to different rooms. By that time my cab was outside so I just took the paper without looking at it. When i got home i noticed it didn't say my work check was pending. I thought it was strange but I just thought i had to wait since it was a Sunday. By the time my daughters checks came through a few days later. i realized something was wrong and i called the bank. I also checked the copy he gave me and it was only for the checks for my duaghters. 

I spoke with a women named XXXX who i assumed was the manager and she told me she did not want to request for video footage of our encounter before she spoke to him when he came to work the next day ( Wednesday ). She says that she will call me back Thursday. Thursday comes, no call. She calls Friday and says she's looked all over and can't find the check and that the teller said he doesn't remember. I then ask her what is she going to do to investigate a teller stealing. She says " Would it be possible for me to just ask my job for a new check. '' At this point I am upset and I tell her i would like to go above her she tells me i can call the manager and gave me a phone number,. which nobody answered. 

I have called TD Bank several times to mediate this and I was promised a regional manager would call me back. I have received no response. 

Check Amounts : My daughter checks were for {$560.00} & {$23.00} plus some cents. 
Missing Check : {$560.00}.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized inquiries and accounts on my credit report, which I believe violate the provisions outlined in 15 USC 1681 ( a ) ( 4 ) and 15 USC 1681g of the Fair Credit Reporting Act ( FCRA ). 

I recently obtained a copy of my credit report from XXXX and XXXX dated XX/XX/XXXX, and discovered the presence of unauthorized inquiries and accounts that do not belong to me. I understand that under 15 USC 1681 ( a ) ( 4 ), credit reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of consumer reports. In light of this, the unauthorized inquiries and accounts on my credit report raise concerns regarding compliance with this provision.

Furthermore, 15 USC 1681g of the FCRA grants consumers the right to request and obtain a copy of their credit report from a credit reporting agency. I exercised this right and reviewed my credit report, only to find discrepancies that require immediate attention and resolution. According to this law, there should be no fraudulent information as this is defamation to my character.

I reviewed a copy of my credit report and have found unauthorized inquiries, names, addresses and information listed that are not related to any transaction by me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

There was a remaining credit balance on my Bank of America XXXX  credit card account that I requested to be sent back to my linked checking account before cancelling the card. They closed my account after cancelling the card so I can no longer log into my account. They said the money would be sent back to my checking account ten days after closing, which was XX/XX/2024, and I still dont see this amount transferred to my account today XX/XX/2024.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion, XXXX, and XXXX for failing to update my personal information in their records as I have repeatedly requested.
Product: Debt collection

I never did business with this company or anyone connected to this company. It appeared on my account. I currently have XXXX. I never had any involvement with this company. This account is a fraud account or used my account without my consent. I will like this account to be removed from all three credit bureaus.
Product: Debt collection

Around XX/XX/2021 Debt collection agency placed an account in collections from originally creditor XXXX  since then I have requested that this debt be validated providing me a contract that this is my debt I keep receiving a billing statement with a balance from receivable management as a debt validation ( this is not a form of validation ) aside from this collection agency keeps updating the balance every few weeks from XXXX XXXX to XXXX $ owed on the account which is illegal please delete this from my credit report as this collection is being reported illegally I have attached screen shots of the credit reporting where balances are being changed. I
Product: Debt collection

This debt is not mine, for XXXX XXXX. I 've already had it removed from my credit reports, by filing complaints with all XXXX credit bureaus, sending a completed Fraud Handling Packet thru XXXX, as requested, to include a notarized Statement of Dispute, Police Report, Proof of Lease at the time this account was created. Got Identify theft alerts added to all XXXX credit reports, purchased XXXX XXXX for myself and my XXXX sons. After getting countless phone numbers, last name, and addresses removed from my credit reports that did not belong to me, this XXXX account has ended up back on my credit reports XXXX XXXX, XXXX ( {$1000.00} ), thru the same collection agency that it was removed from back in XXXX XXXX. Enhanced Recovery Corp. XXXX even had the audacity to send a letter to me questioning XXXX accounts from XXXX and XXXX, after proving this account from XXXX is not mine, the account that started this whole credit disaster. I had proved this account was not mine and although the other XXXX accounts they 're claiming to be mine from XXXX and XXXX, they 're outside of the statute of limitations. The accounts are not mine and should not be in question. My next move is to seek help thru an attorney if this can not be resolved for good.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/2019 and begin to notice unauthorized charges placed on my account and began to contact XXXX XXXX regarding the matter. XXXX XXXX card services made it very difficult for me to submit a complaint and shame to push me on weather they should close the card out or not for good from me making a complaint in the first place. XXXX XXXX is currently being sued for predatory lending and not following fcra guidelines when it comes to identity theft victims. It is hard enough to support myself and my family without XXXX XXXX breaking the law and ignoring the fact that once again these charges were unauthorized and needed to be investigated. FFRCRguidelines require that does negative information not be reported to credit bureaus until the matter is resolved. Not only have I submitted FTC reports but also complaints to the Card Services Department many times. Lastly, despite my many inquiries through the credit bureaus and disputes they have failed to realize and comply with the current laws regarding identity theft and unauthorized charges and the reporting of those negatively affected accounts to the credit bureaus.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating 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  The following inquiries were not authorized and should not be reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported an identity theft complaint to XXXX XXXX Experian XXXX  and XXXX. I have supplied a notarized affidavit and statement that the item from XXXX XXXX is not mine. I am attaching to this complaint my affidavit, letters to XXXX XXXX Experian XXXX  and XXXX  notifying them of my dispute under Section 609 FCRA and that the debt in question is an identity theft case. I am also attaching my reference number filed with The FederalTrade Commission regarding identity theft. I can not qualify for an apartment with this debt on my credit report and I feel as though it is illegal for Experian XXXX and XXXX  to allow this to be reported to my credit bureau so a debt collection agency can try to extort money from me. I am XXXX years old and this is very stressful. Please help.
Product: Checking or savings account

I made a deposit via PNC Bank 's mobile phone application on Friday, XX/XX/2019. I would have made the deposit at their ATM on XXXX XXXX in XXXX, but it was not accepting deposits. ( There was no explanation as to why. ) When I made the mobile deposit, around XXXX XXXX Central Time ( XXXX Eastern Time ), I received a confirmation screen that said my funds would be available on Saturday, XX/XX/2019. This screen also said that if I wanted access to those funds sooner, I could get access for a {$13.00} fee. 

On Saturday, XX/XX/XXXX, when I looked at my account information online, it claimed that my check would not be considered deposited until Tuesday, XX/XX/XXXX, meaning I can not access the funds until Wednesday, XX/XX/XXXX. So, either PNC Bank lied to me when I made the deposit, or they are lying to me now. When I called to try to resolve the issue, they claimed my deposit was made 2 minutes and 46 seconds after their cutoff of XXXX XXXX Eastern Time. If that is true, then WHY did the confirmation screen not tell me that? Also, I no longer have an option to pay a {$13.00} fee to access my funds - not that such a fee would be in any way fair, considering the circumstances. My educated guess is that I DID make the deposit BEFORE XXXX XXXX Eastern, but PNC 's database did not update for several minutes. THIS SHOULD NOT BE HELD AGAINST THEIR CLIENTS! 

I think it is also important to note that PMC Bank uses Eastern Time as the governing time ONLY when it benefits them. It is currently XXXX XXXX Central Time, XX/XX/2019 ( XXXX XXXX Eastern Time ), and my deposit is NOT available yet, even though it is now XX/XX/2019 in the Eastern Time Zone.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit Bureaus are destroying my credit history unfairly and unjustified. 
Supposedly by a remark code, which was added to XXXX XXXX XXXX XXXX XXXX 
I am being Penalized every Single Months for the Same Reason, Although the bank has Confirmed the Absence of Such Remark Code. 
They also Penalized Me With Amounts of Discounted Points, which I Never Receive, After having Resolved These Disputes With Credit Bureaus. 
The Dispute are Completed and resolved every Single Months, But They keep adding the Remark Code, Every Single Months. 
I Need Resolve the Issues, They are Destroying My Credit.
Product: Credit reporting or other personal consumer reports

My recent credit report is showing unauthorized, and unverified inquiries. These inquiries are hindering me from utilizing my credit. The unauthorized inquiries will be listed below and according to the FCRA they should be removed immediately. These inquiries are being reported to all three credit bureaus Experian, XXXX, and XXXX and needs immediate removal. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I revise my credit and for my surprise had collections that don't belong to me, I have credit inquiries that don't belong to me. after calling trans union they deny helping me or provide proof that the debt belongs to me. i asked for a contract with my signature and or any other proof. what they send me was bill with not even the correct address. 
i want these collections and inquiries deleted from my credit reports before I take legal action against them for fraud and creating hardship without proper verification according to the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. Thank you. 
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  XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Date : XXXX/XXXX/XXXX Amounts : {$490.00} I made a transaction through money-gram to send money to my friend as donation, the receiver said that she already reached her goal and they do n't need the money so I called money-gram to cancel immediately after 12 minutes minutes from sending the transaction. The agent assure me it is cancelled and I should receive a refund. On the next day, I cheeked the status of transaction and I was surprised that they actually send the money. I called and I filed complain but without any success. I lost trust in the company so I went through my bank and I filled dispute of the transaction because I did n't authorized them to complete the transaction. Moneygram now send it to collection without even telling me that I have to pay them. 
I have attached the time frame of my call to the company Note : the time of transaction is on transaction detail ( XXXX pm )
Product: Money transfer, virtual currency, or money service

I used to bank with Wells Fargo and I found XXXX unauthorized ATM transactions on my Wells Fargo bank account statements. For both of these unauthorized ATM withdrawal transactions it states a phrase on my bank account statements after each transaction which happened on different dates. It states the merchant where the transactions took place, the ATM information, the address, then it says after all of this for each transaction, XXXX. These are XXXX transactions that I did not perform. Also, my husbands nickname is XXXX XXXX so I am thinking that a female friend of my husbands ( soon to be ex-husband ) stole my card and used it, then was for some reason favored by Wells Fargo. It states this XXXX after the address so it has nothing to do with the address and from how it is typed on my statements the XXXX and the XXXX are capitalized making it obvious that it means XXXX XXXX XXXX. So I am taking this as discrimination and negligence on Wells Fargo end and absolutely disgusting, disrespectful, and humiliating. They obviously favored this female friend of my husbands and stated that for my eyes to see on my personal bank account statements. I am absolutely dumbfounded and I will be seeking compensation for this. Also, someone unknown ( thought to be the same person ) established XXXX unauthorized Wells Fargo bank accounts in my name without my knowledge and/or consent, stole money from my personal savings account via unauthorized online transfer, was issued a debit card in my name, and performed an in-branch withdrawal transaction and wrote my SSN on the withdrawal slip wrong and off by a couple of digits and forged my signature stealing {$500.00} out of my account. I have also had other acts of identity theft with other banks, my XXXX email accounts, XXXX XXXX, and a local gym happen and it is thought and believed that this is the same person who did this. So it is possible that Wells Fargo aided someone my husband was having an affair with and who targeted me, making me a victim.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

A

nd according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are suppose to 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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX said i was 160 days late on my loan during a time in which my loan was in deferred status while i was awaiting approval for XXXX XXXX  veterans loan forgiveness and if approved it backdates from the date of XXXX which was before i even went to school so i placed my accounts in deferment XX/XX/2016 lasts for 6 months then i added another one around XX/XX/2016 so i couldn't have been late and after that i was approved for the loan forgiveness but the negative marks still are there i disputed it roughly 6 times with the 3 credit bureaus and within a week they came back as it was verified i asked how they never responded. so i disputed it with navient and was told they couldn't delete the late payments only the bureaus could which is a lie.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion needs to remove any late payments associated with XXXX XXXX XXXX XXXX being reported because they are in violation of 15 USC 1681e, 15 USC 1666B, and 15 US Code 6802. 15 USC 1681e Requires credit furnishing companies to report accurate information to be in compliance. According to 15 USC 1666B Timing of 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. Nothing was ever mailed or delivered to me no later than 21 days before any due date so any late payments pertaining to this account need to be removed from my credit report. If not please provide proof of mail no later than 21 days before due payment to be in compliance with the law. Provide proof of compliance of 15 USC 1666B or remove all late payments associated with this account According to 15 U.S. Code 6802 ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A Financial al institution may not disclose nonpublic information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Provide proof that XXXX XXXX is in compliance with 15 U.S. Code 6802 or remove the late payments associated with account XXXX
Product: Credit reporting or other personal consumer reports

I have requested you update my XXXX XXXX XXXX  XXXX  ( XXXX ) there is a lot of missing payments and incorrect information. I have in the past requested you update the following : XX/XX/XXXX, and also XX/XX/XXXX needs to be updated as current ; I was not late for this payment. Missing payments XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Current balance is {$450.00} you are reporting {$1100.00} incorrectly.