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

To Whom It May Concern, I am filing this complaint regarding a wire transfer transaction I initiated on XX/XX/year>, through Intermex Wire Transfer , LLC ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX ). The funds were to be sent to my personal bank account in XXXX ; however, the transfer was never received. Below are the details of the transaction : XXXX XXXX XXXXXXXX Account Number : XXXX Timeline of Events : XX/XX/year> : After realizing the money had not arrived, I contacted Intermex Customer Service. They advised me to : a ) Visit the original store where I initiated the transfer ( which was not possible as I was traveling ), or b ) Visit a different Intermex branch for a refund or send my information via email for processing. 

XX/XX/year> : I visited the Intermex branch at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The staff informed me they could not issue a refund because branches operate independently. They called Customer Service on my behalf, and I was again instructed to email my details for resolution. 

XX/XX/year> : I sent the requested information via email since visiting additional branches had not resolved the issue. 

XX/XX/year> : After multiple follow-up calls, I was told to write a " letter of no reimbursement '' to explain the situation further. I complied and submitted the letter. 

XX/XX/year> : As of today, I have been informed that my case is still under review, and I was asked to wait again. It has been over a month since the transfer, and the funds have not been deposited into my account. 

Issue Summary : Throughout this process, I have been given inconsistent information and faced repeated delays. Despite providing all requested documentation and following Intermexs instructions, my money has not been refunded, nor have I received confirmation of when this matter will be resolved.

I am attaching a copy of the Intermex receipt for your review and verification. 

Thank you for addressing this matter promptly.
Product: Debt collection

XXXX deleted this debt from my credit report but it is still on my credit report showing negative remark.
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX $ on all XXXX credit reports this information is incorrect. I dont anybody any money what is this account For??
Product: Credit reporting or other personal consumer reports

Its deeply upsetting to see unauthorized inquiries on my credit report today, with no explanation. I tried refreshing the page, hoping it was a temporary issue, but nothing changed. I am truly frustrated and ask that the documents I've submitted be carefully reviewed so this never happens again.
Product: Checking or savings account

Hello Im XXXX, i am XXXX years old. I am a hard working person, a very good person, I am very kind hearted, easy target for scams. I didnt realize I was involved in one.

One guy was willing to pay me for a beat I make, but I didnt know he would put more than the amount he was suppose to give me. It was around 4,100 $ I deposited. What I realize that he wrote a big check so that he can cash it in the next day, and I would owe the money i would take out for him, please help me, Wells Fargo Said they would close my bank account. But Im innocent. I didnt know until a week Ago I think, thats why I stopped touching the money when I realized because I wasnt sure. Please understand. Wells Fargo is not cooperating with me. I cant Even email them. I cant let them close My account, and If nothing is done i Wont be able To Open another bank account .i am a good person, My credit score is good, I need this, Im trying to move out and this will Affect my life. I think this happen to because I lots of overdrafts but sometimes you just got ta give people a chance. I am young and this world is cruel, it could of been worse, if it wasnt for the check held I would of lost thousands of dollars, thanks Wells Fargo For saving me, but they have to give me a Chance
Product: Credit reporting 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 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
I looked at my Equifax 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 ). 
And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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

I started calling the credit bureau back in XX/XX/2020 regarding unauthorized inquires on my credit report. I filed a FTC report and provided FTC file number. 
I sent letters to the companies that requested to pull my credit and did not receive a response. This is my last resort because I followed all the steps to get my inquires removed that I did not authorize. 

The following inquires and dates are unauthorized XXXX XXXX XXXX XX/XX/2020 XXXX  XX/XX/2020 XXXX  XX/XX/2020 XXXX XXXX XXXX XXXXXX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020
Product: Mortgage

We purchased our home in XX/XX/XXXX. Since this time our mortgage has been sold three times ( and is apparently scheduled to be sold again at the beginning of the upcoming year ). The third time, XX/XX/XXXX, was to the current mortgage holder, The Money Source ( TMS ). We received an 'Escrow Account Disclosure Statement ' dated XX/XX/XXXX stating that we had an escrow shortage and would have to pay an additional {$6700.00}. The options for paying this deficiency was to either pay the total in full or to increase our monthly mortgage by {$640.00} each month for the next 12 months starting XX/XX/XXXX. We reviewed an 'Escrow Account History ' included in the statement but could not understand where TMS got it's information regarding the deficiency. Nevertheless, we paid the additional {$640.00} for XXXX and XXXX to avoid any discrepancies on our end until this matter could be resolved. We have called TMS an innumerous amount of times trying to gain clarity and understanding of this issue. We have spoken with at least one supervisor who promised us she could get us a re-analysis of the escrow and get the 'Loan Boarding Department ' to correct the account numbers, as they are wrong ( according to her ). We did identify to TMS that our initial balance was not itemized in the 'actual escrow running balance ' and therefore caused a false negative starting balance. We also pointed out that our monthly payments were 'lumped together ' instead of being shown as paid, on-time each month. We further discovered and pointed out that out homeowners insurance was removed twice this year ( TMS said that was an error and needed to be corrected ). They have hung the phone up/disconnected our calls and made promises about follow-up calls that have not been followed through with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've requested my yearly credit report from XXXX for several years and have been unsuccessful. I've called Equifax several times and they actually tried to charge me {$14.00} for one.
Product: Debt collection

On XX/XX/2018, I received a phone call from Fifth Third Bank in regards to a late payment for my auto loan. I had called Fifth Third on XX/XX/2018 at XXXXXXXX XXXX to request assistance with that payment, but after a nearly 18 minute conversation with 2 different departments I came to the conclusion that there would be no benefit to having borrower 's assistance and I advised I would make my payment late. At the end of my conversation with the 2nd agent, she verified contact info with me including my phone number, but I did not express any verbal permissions to contact my number or repeal my written cease and desist notice I issued to their company 2 years prior. Today XX/XX/2018, I received a call from Fifth Third, I spoke with an agent that I feel refused to acknowledge that I had already issued a written cease and desist notice that is on file with their company. He stated that I would have to issue another letter to continue a cease and desist on my account while also advising me that during that time they await my letter that I was subject to be placed in a automatic dialer system, which I advised that I did not give permission to be in. I don't recall receiving this man 's name nor do I recall being given any monitoring disclosure or mini miranda for debt collection. I asked for a manager and I spoke to another man named either XXXX or XXXX, whom acknowledged and verified that I had a written cease and desist oh file and stated that per their policy that notice should not be removed unless I have sent a written request to resume contact, which I haven't. During this conversation, this manager also acknowledged I was correct and he understood that this call was a violation of FDCPA and CFBP while assuring me that something that shouldn't have happened today will not happen again in the future.
Product: Credit reporting 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 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. 

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF ID THEFT. MY INFORMATION WAS COMPROMISED DUE TO THE XXXX DATA BREACH CAUSED BY XXXX. I HAVE UPLOADED THE REQUIRED DOCUMENTS REQUIRED TO BLOCK THE FRAUDULENT ACCOUNTS FROM BEING REPORTED MY CONSUMER REPORTS.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
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 XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I look at my credit weekly due to fraud with someone having same name and DOB as me in same city, now I am seeing a lot of inquires on my credit on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from several companies I have had no contact with nor have any idea who they are and what they be using my ssn number for as I am not needing anything regarding my ssn number. The companies that have illegally used my ssn information is XXXX XXXX XX/XX/2020, XXXX XX/XX/2020 and Chrysler Cap XX/XX/2020. I would like these illegal inquires removed immediately as well as documentation showing my id and signature allowing use of my ssn. Furthermore I was working on each one of these days 12 hours and we are not allowed phones on my job which is a little more alarming as to how my credit was ran without my consent or me in person.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report, I noticed unauthorized inquiries made by the following companies : Inquiries : ACCOUNT NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX ; INQUIRY DATE : XX/XX/XXXX ACCOUNT NAME : XXXX ; XXXX DATE XX/XX/XXXX ACCOUNT NAME : XXXX / XXXX INQUIRY XXXX ; XX/XX/XXXX ACCOUNT NAME : XXXXXXXX XXXX ; INQUIRY DATE XX/XX/XXXX ACCOUNT NAME : XXXX : INQUIRY DATE XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, i did not give you transunion permission to furnish this this information onto my credit report. 

This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

I also demand you transunion to produce a contract between you and I, consumer, bearing my signature showing that I gave you permission to furnish any information on my behalf. 

In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that are 100 % incorrect from Transunion In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate
Product: Checking or savings account

I have been a customer of wells fargo for almost 20 years, I have their XXXX Banking product which includes certain features. The features that are pertinent to me are a free safety deposit box and no minimum for my checking account. 

They have been trying to get me off this account for almost 10 years, over the years they have tried numerous shady methods but I have been quite vocal about not changing unless i can get the same or better service. 

I got a notice that my account is changing in XXXX to an account type that will cost me money and I raised an exec complaint where WF basically told me that there is nothing I can do and I will be paying for these services that I previously was not paying for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to all three credit bureaus ( Transunion, XXXX, and XXXX ) over a charge off that is on my account. All three credit bureaus are reporting late payment and charge offs in different months. I have sent proof about how they are all reporting different information with copies of my credit reports. I continue to get letters back that the information is verified from each of them even though they are all claiming a charge off in different dates. The accounts also show the account as closed different months of that year which I also provided proof. I have sent Dispute letters two different times XX/XX/XXXX online and XX/XX/XXXX through mail. I would like for this to be looked at as its hurting my credit score and it is against my rights to have inaccurate information in my credit profile. The information should be accurate across all three credit bureaus.
Product: Credit card or prepaid card

XX/XX/2019 XXXX Account Hacked BOA Credit Card used for digital software downloads {$490.00} Dispute filed with BOA and XXXX Unable to track where software was downloaded. 
Advised to contact police and file identify theft. 
Identity has been stolen to make an online purchase.
Product: Debt collection

I went to XXXX at XXXX XXXX to apply for an apartment. I had the money for administrative fees and application ready to go, but the woman had me spin a wheel to see if I could win free application or something else. I won free application and administrative fees! How exciting. So she told me to start the process without putting the money down. I had my application and left it with her but needed to bring the persons applying with me the following day. When I did I was met with resistance from the manager saying I can not apply without paying and I never should have spun a wheel. She wouldnt even let me leave the second application. I said Id wait till the other lady was back and continue with her. But because of the way she treated me I decided to step away completely. It seemed sketchy and weird. 
Fast forward I start getting collections calls from their management company saying I owed the fees. I called XXXX and they said theyd take care of it and I asked for her to send me that in an email which she did. 
Now all of the sudden it hits my credit and no one can help me. They say their hands are tied because their system did this automatically but they stopped the alleged debt from collections XXXX yet here I am getting hounded by a collections company. If they are not in control of their systems, and are incapable of writing their wrongs, then I can not imagine how many people they have torn up along their way. I have emails from the company with this information and now the new collections company is blowing me up, impacting my credit score negatively, and refusing to help me. Both companies are a disgusting mess. 


After explaining all of this to XXXX and asking for removal from my credit.. I was told yeah thats not going to happen. Then I got upset and he said to send proof to an email which I did send XX/XX/year> no response. Called again today.. claimed they never got it. Takes 20 days to review if they ever do get it but theyd be happy to take my money today and pay in full. Then I get upset again so he rushes me off the phone. All managers are allegedly on a lunch break. I asked for him to respond to the email immediately so I know this time it was received and they have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, To whom it may concern, I am writing you today because XXXX is reporting inaccurate information on my credit report and I've pointed this out to them numerous times and yet and still they fail to remove it even though they are reporting both inaccurate and fraudulent information on my credit report. 

The credit bureaus are supposed to be fair and ONLY report 100 % accurate information. It's been well over 30 days since I sent in my dispute letter and they haven't responded back to me yet at all. They are playing games with me and not taking my concern seriously. 

They are severely violating my rights that I'm fully aware of. I've also pointed this out to them and they just ignore my complaints and don't respond to my letters. I'm extremely frustrated and need help.
Product: Credit card or prepaid card

I applied for credit with XXXX. I was told that because I applied for credit with the year that they have to option to denied credit and every company has their own set of rules to deny credit. They denied because of applying for credit, they do not advertise or inform customers of this practice and after youve applied for credit you are denied and suffer harm to credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX # XXXX XXXX XXXX NXXXX 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, has violated my rights. 

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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested several time that XXXX  correct erroneous information on my credit report stating that my loans were late in XXXX. I have a confirmation letter from the creditor stating that they did a Retroactive deferment on my loans on XX/XX/XXXX which covered the time period of XX/XX/XXXX to XX/XX/XXXX. During this same time the creditor listed several months Past Due. I have received a letter from XXXX dated XX/XX/XXXX in which the final confirm the above. In addition they have listed my loans 2 times on my credit report under 2 different names during a time in which I did not authorize any change in servicer. I have requested a minimum of 4 times with the creditor as well as all of the individual credit bureaus that this be corrected and only the current status is updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

see attatched Equifax XX/XX/XXXX referencing SECTION 605 B c of Fair Credit Act DENYING MY REQUEST FOR VERIFICATION. Please explain the allegation of ( B ) Basis of  material misrepresentatation of fact by consumer.?? WHAT MATERIAL MISREPRESENTATION OF FACT IS XXXX   ACCUSING ME OF?? I DID NOT OPEN THE USAA VISA ACCOUNT. Provide verification this visa was opened by me OR DELETE. See attatched USAA 1099-C CANCELLATION OF DEBT XX/XX/XXXX ( * VISA /MSTR DEBT it was both? 
But canceled XX/XX/XXXX. Account XXXX. ) This was a mastercard CANCELLED DEBT ) It turned into a Visa Card ( 4 ) Years later XXXX Without my Knowledge. See attatched USAA XXXX VISA card ending XXXX CREDIT CARD FRAUD CLAIM {$470.00} UNAUTHORIZED TRANSACTIONS XX/XX/XXXX dated XX/XX/XXXX Fraud Claim Date XX/XX/XXXX. VISA end XXXX Had Unauthorized Transactions the first time I used it. I DID NOT APPLY FOR THIS CARD BUT USED IT WITHOUT KNOWING I DID NOT OPEN THIS ACCOUNT. See attatched XX/XX/XXXX United States Inspection Service ( Deliveries Not Made by USPS. Per  Mail Rule ) Please Provide Verification ORIGINAL SIGNATURE PROOF DELIVERY the ITEMS WERE DELIVERED INTO MY HANDS on USAA & REGIONS ACCOUNTS. that I was charged OR DELETE.