23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfers

Lost $ XXXX down payment due to wire fraud. A portion ( {$27000.00} ) was frozen by the bank, but they refuse to return it. 

Per UCC - Article 4A - 205. ( a ) ( i ) the transfer was to a beneficiary which was not intended by the sender. 

Per UCC - Article 4A - 402. ( a ) ( d ) If the sender of a payment order pays the order and was not obliged to pay all or part of the amount paid, the bank receiving payment is obliged to refund payment to the extend the sender was not obliged to pay, plus interest. 

Bank of America ( BOA ) is the sending bank, the receiving bank, and the mortgage lender. 
BOA was informed of the Fraud several ways & provided evidence. Initial payment order explained intent & true beneficiary of the transfer. A series of short investigations confirmed both fraud & true intent. Despite investigation findings, BOA refused to return the frozen portion. 

BOA further enrich themselves by waiting until a second down payment was procured & mortgage was closed before offering a return. The return was contingent on receiving a notarized release. They gained holdings, plus caused tax liabilities & interest loss because due to their refusal. 

After gaining all they could, BOA offered to return the money contingent on receiving a notarized release. The release waives all damages & prevents info regarding the incident from being shared publicly.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal and blocking of the following accounts from my credit file under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and these accounts have been compromised and/or associated with identity theft. 
Accounts to Be Blocked and Deleted : XXXX. XXXX XXXX XXXXXXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/year> o Amount : {$0.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/year> o Amount : {$0.00} XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/year> o Amount : {$0.00}
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : REPUBLIC/NC
Product: Credit reporting, credit repair services, or other personal consumer reports

In regards to the two XXXX collections on my credit report, I have called several times with hopes in settling the debts as I am in the process of purchasing a new home. Each time I have called, even in speaking with a supervisor, I have been told that the debts are beyond the statue of limitations and they can not collect any monies on the accounts. If the debts are beyond the statue of limitations and they are refusing to collect any monies from me, then why are they reporting these debts to my credit report. I need these removed ASAP. XXXX : {$5300.00} - {$2500.00} XXXX : {$7800.00} - {$460.00}
Product: Credit reporting or other personal consumer reports

I have negative reports from XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX that I have resolved or paid off in full and still show up on my credit report.
Product: Money transfer, virtual currency, or money service

I came across a car on XXXX XXXXThat was being sold for {$1500.00} after I contacted the seller i was advised to send XXXX XXXX dollars As a deposit And I contacted chase After feeling something was off & was pressured into trying to send more money and was told that I can't receive a refund but XXXX follows under the EFT Act And is not considered a wire transfer
Product: Debt collection

Account XXXX in the amount of {$1200.00} is being fraudulently reported on my credit report by XXXX and Transunion. I have requested for validation of the debt as my identification has been falsely used for numerous accounts that I have not authorized. They have failed to provide me with a written validation of the debt after several requests and it is impacting my abilities to progress with my life. Either of the companies have been able to provide valid information that does that match up.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX  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 XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number XXXX XXXX and list of Inquiries. 

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

I have repeatedly disputed credit report information to Trans Union regarding XXXX XXXX XXXX credit card accounts ( XXXX and XXXX ) and XXXX from XXXX XXXX XXXX Acct ( XXXX ). I received XXXX Cancellation of Debt forms in XXXX from XXXX as well as XXXX from XXXX in XXXX ( see attached ). These are specifically marked that the debts were discharged/forgiven and have supplied these to them disputing the reporting of them having currently delinquent open balances ( these amounts were also filed as income as part of my XXXX income tax return ). Upon researching and confirming the documentation I have provided to them in prior disputes, they updated the items correctly. Unfortunately XXXX reverted back to reporting it incorrectly as originally disputed and resolved. My understanding is that when the credit bureaus are supplied with valid documentation to dispute information reported that it is their obligation to correct it. I have submitted repeated disputes with valid documentation. My request has not been to remove the accounts or try to alter the facts. They should be reporting the accounts charged off, closed, with {$0.00} balances. Please help me get this corrected permanently. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

i recently found 7 accounts are not belong to me and was fraudulent listed on my credit reports with XXXX, XXXX & EQUIFAX the accounts listed as : ( ( 1- ) ) Account Name : XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX ( ( 2- ) ) Account Name : XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX ( ( 3- ) ) Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX ( ( 4- ) ) Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX ( ( 5- ) ) Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX ( ( 6- ) ) Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX ( ( 7- ) ) Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX Date opened XX/XX/XXXX Balance {$210000.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$5200.00}, and XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Date opened XXXX XXXX, XXXX Balance : {$500.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Mortgage

I fell behind for XXXX payments. I call Wells Fargo several times to see if I could pay half of my mortgage payment. I was told that if I didnt pay the full monthly payment there was nothing they can do. I had to put the house up for sale and finally got a buyer. I had to pay their attorney fees as well as mine. It came out of the final payment to the mortgage company. I had to sell the house for {$70000.00} dollars less then what it was worth. They would not work with me at all. They threaten me with foreclosure.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX : [ Ally Financial ] [ XXXX ] XXXX : [ Ally Financial ] [ XXXX ] Transunion : [ Ally Financial ] [ XXXX ] Balance : {$35000.00} In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Mortgage

In XXXX 2008 XXXX and XXXX were constantly stopping by my property and sometimes had the XXXX police asking me to move out because XXXX XXXX had purchased the property for XXXX and they presented a covenant deed as evidence and claim that parks title company conducted the transaction. 

I recently were informed by XXXX that they were doing a release of the lien and provided me a case number. I politely left a message for amaze of this and he taken it as a threat and filed in XXXX county court against me case XXXX. In these pleadings and a statement to XXXX police he indicated that he purchase the property legally and he has legal documentation. 

Please provide to the CFPB the legal documentation that XXXX claim he has under your title company at XXXX XXXX XXXX XXXX, michigan XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my ( name of the credit bureauEquifax, XXXX and/or XXXX ) credit report. My latest credit report shows 5 credit inquiries that I did not authorize DT credit XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX ( ALL ACCOUNTS ) XXXX XXXX ( XX/XX/XXXX ), 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, nor use my SSN without my consent or permission. 


LII U.S. Code Title 15 CHAPTER 41 SUBCHAPTER IIA 1679c Quick search by citation : Title enter title Section section 15 U.S. Code 1679c - Disclosures U.S. Code Notes prev | next ( a ) Disclosure required Any credit repair organization shall provide any consumer with the following written statement before any contract or agreement between the consumer and the credit repair organization is executed : Consumer Credit File Rights Under State and Federal Law You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any credit repair company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years. 

You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud. 

You have a right to sue a credit repair organization that violates t

he Credit Repair Organization Act. This law prohibits deceptive practices by credit repair organizations.

You have the right to cancel your contract with any credit repair organization for any reason within 3 business days from the date you signed it. 

Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur. 

You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate 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 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
Product: Checking or savings account

My direct deposit was paid out by my employer into my Venmo checking account. On XX/XX/2023 I went to the ATM on this date to withdraw funds from the ATM. I was only able to withdraw {$800.00} instead of {$1600.00}. I contacted Venmo immediately to see if they could increase my daily limit hoping that was the issue. I was told they would not be able to increase my daily limit and I should try the next day or to try a transfer directly to my bank account which I did but it failed. I again reached out to Venmo about the failed bank transfer attempt. They said they were sorry for the failed attempt and could not explain why it happened. XXXX XX/XX/2023 I went back to the ATM after 24hrs. I tried to withdraw the remainder of the funds but could only withdraw {$300.00}. I reached out to Venmo again and was told that there is a security alert that blocked the transaction. I asked the reason for the security block and asked them to remove the block so I could proceed with my withdrawal. They said they do not understand the reason for the block as it relates to an automated system. As of right now I am unable to take out my money and they are not able to do anything about it. I need someone to help me! They really shouldnt be holding on to peoples money in such a way. Especially in an emergency situation. Please help!
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to formally dispute the presence of unauthorized and improperly reported information on my credit report. The information in question has been included in my credit file without my express written consent, in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b, and I am requesting its immediate removal as required under 15 U.S.C. 1681c-2 Legal Violations Violation of 15 U.S.C. 1681b Reporting Without My Consent The FCRA explicitly states that consumer reports can only be furnished for permissible purposes with the consumers express written consent I never provided any consent for this account to be reported on my credit file Since my authorization was never obtained, the reporting of this account is an unjustified violation of my rights under the FCRA Violation of 15 U.S.C. 1681c-2 Unauthorized Information Must Be Blocked This section mandates that once a Federal Trade Commission ( FTC ) Identity Theft Report is submitted, the credit bureau must block the disputed information within four ( 4 ) business days of receiving the report The account in question was reported without my authorization, making it improper and unauthorized under the law and requiring immediate removal Unauthorized Information to Be Removed The following information has been reported on my credit file without my authorization and must be blocked and permanently removed immediately XXXX XXXX XXXX Under 15 U.S.C. 1681c-2, I am exercising my legal right to request that this unauthorized information be blocked immediately from my credit report. The FCRA requires that this information must remain blocked for one year, after which I may request an extension of the block. During this period, this information must not be reported as valid nor allowed to reappear on my credit report Lack of Response and Harm Caused I have made multiple attempts to resolve this issue with the credit bureau, but my efforts have been ignored This unauthorized reporting has significantly impacted my financial standing, preventing me from securing housing and financial opportunities The accounts in question have already been removed by other credit bureaus, yet they remain in my file with your bureau, raising concerns about compliance with FCRA guidelines I have previously requested contracts or documentation proving that I provided consent for this reporting, yet after more than 60 days, I have received no response Requested Actions Immediate blocking and removal of the unauthorized account from my credit report Written confirmation that the disputed information has been deleted Assurance that this information will not be reinserted into my credit report in the future I have attached a copy of my report filed with the Federal Trade Commission ( FTC ), in which I report this unauthorized use of my information ( FTC REPORT NUMBER : XXXX )
Product: Credit reporting or other personal consumer reports

RECENTLY, I HAVE REVIEWED MY CONSUMER REPORT AND NOTICED THAT YOU ARE ALLEGING THE FOLLOWING ACCOUNTS BELOW ARE WITHOUT HAVING FURNISHED ANY SUBSTANTIAL PROOFS OR EVIDENCE OF YOUR CLAIM. ACCORDING TO FEDERAL LAW, IN ORDER FOR YOU TO REPORT THIS ACCOUNT YOU WOULD HAVE AHD TO VERIFY AND VALIDATE ALL ALLEGED DEBT. AS OF XX/XX/year>,, THE FOLLOWING ACCOUNTS HAVE NOT BEEN VALIDATED. AS A RESULT OF THIS THEY MUST IMMEDIATELY BE REMOVED FROM MY REPORT AS I DO CHALLENGE THEIR VALIDITY. PURSUANT 15 USC 1681B. 

XXXX ) XXXX XXXX  XXXX CONSIDER THIS LETTER AS AN INITIAL COMMUNICATION DEMANDING ANY EVIDENCE OF MY OBLIGATION TO THE ABOVEMENTIONED ACCOUNTS. AS A REMINDER, ANY ACCOUNT THAT YOU CONTINUE TO REPORT WITHOUT BEING ABLE TO VALIDATE IS A DIRECT VIOLATION OF MY RIGHTS LISTED THROUGH THE FDCPA AND FCRA BOTH TOGETHER AND SEPARATE. 

XXXX ) XXXX XXXX XXXX XXXX CONSIDER THIS LETTER AS AN INITIAL COMMUNICATION DEMANDING ANY EVIDENCE OF MY OBLIGATION TO THE ABOVEMENTIONED ACCOUNTS. AS A REMINDER, ANY ACCOUNT THAT YOU CONTINUE TO REPORT WITHOUT BEING ABLE TO VALIDATE IS A DIRECT VIOLATION OF MY RIGHTS LISTED THROUGH THE FDCPA AND FCRA BOTH TOGETHER AND SEPARATE.
Product: Credit reporting or other personal consumer reports

I got a warning to my phone from transunion I put in a report they said it's accurate and it's a lie to XXXX XXXX XXXXXXXX in California I have never request a loan company don't answer phone. It's a XXXX loan. I promise I never borrowed no money
Product: Credit card

I had an account with Lowes and they closed my account without my authorization. They claim my balance to Account ratio was too high and I had a collection account. The collection account was fraudulently opened under my name and is under dispute with XXXX and XXXX. I am requesting they open my account back up since they are using my information ( unauthorized use of my Social Security Number ) and not providing me with any services in return. They are also committing Security Fraud as they are registered with the SEC and according to their Finance Reports they are writing off my credit card account balance every month and accordingly they do not have authorization to close my account. I am attaching pertinent documents and will follow up and report them to the SEC and FTC if they do not comply with my requests.
Product: Credit reporting or other personal consumer reports

I uploaded this to XXXX and Equifax, and this is still on my credit report as accurate according to their results. I have the pdf that states paid in full from the company. On my XXXX, it shows on my credit report and has a {$0.00} balance owed.
Product: Credit card or prepaid card

I am writing in regards to my account with Citi Cards account # XXXX, the reason for this request is the reporting of late pay reporting in XX/XX/2020. As I am sure you are aware that FEMA declared a national disaster occurred during that time which has impacted me.