23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To whom it may concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX MY WAS PAID OFF IN A SETTLEMENT NOT SEEIG THIS ON MY CREDIT REPORT, ALSO THEY HAVE REPORTED THE SAME CAR CHARGE OFF XXXX TIMES ON MY XXXX REPORT HOW CAN THE SAME CAR BEEN CHARGW OFF XXXX TIMES.
Product: Checking or savings account

My IRA transaction was incompetently handled at Discover bank and they failed to respond to calls both by telephone or written letter sent by certified mail. 

I made my {$7000.00} traditional IRA contribution for the prior year ( XXXX ) on XX/XX/XXXX to my existing IRA savings account via ACH transfer which was mistakenly confirmed as this year 's ( XXXX ) contribution. After I sent a message notifying Discover of the discrepancy I received a secure reply on the morning of XX/XX/XXXX stating that the contribution " would be reclassified and coded to the prior year in 2-4 days ''. However, 10 days went by without a response, and when I called the customer service number I was given conflicting replies that did not address the problem at all. I put all the detailed information in writing and mailed the letter and corresponding documentation to their customer service department by certified mail on XX/XX/XXXX and still have not received a response to such a simple matter. 
I am totally frustrated and can't comprehend or understand how the Discover bank can operate in such a manner. As they are an online bank they seem to just take in money but do not service clients and they have no branch locations so we have no recourse.
Product: Checking or savings account

I was charged for a service over the phone, i gave my debit card information to the clerk to charge me for {$290.00}. 

My bank statement shows I was charged {$2900.00}. They also said that I signed some contract which is a lie. I never did. 

After calling about the charge they said that someone would give me a call back in 24 hours. But in the morning I realized that they had blocked my number. 

This place is a scam. 

Merchant : XXXX & XXXX
Product: Student loan

XX/XX/XXXX  - set up auto debit payment on standard payment plan XX/XX/XXXX  - only {$50.00} was paid on only one of the loans despite having auto pay set up for the standard payment plan. The amount should have been approximately {$180.00}. 
XX/XX/- received an email saying I was in administrative forbearance despite never requesting this. I now have extra interest accruing for Mohelas error
Product: Money transfer, virtual currency, or money service

This relates to an international transfer of funds from my bank in the United States to a recipient who lives in  XXXX , using a service called  transferwise.com.  The amount of the transfer was  XXXX   XXXX , plus a  XXXX    XXXX   fee charged by transferwise for a total transaction of  XXXX   XXXX .     Per transferwise 's instructions, I directed my bank to send  XXXX   XXXX  to  XXXX ,  XXXX  And  XXXX   (   XXXX   ), t he bank in  XXXX  designated by transferwise to receive the funds. A day o r two la ter, I received a communication from transferwise informing me that only  XXXX    XXXX   had been received. I confirmed with my bank that it had indeed sent  XXXX    XXXX  , so I asked transferwise what happened to the missing  XXXX   XXXX .     At first, transferwise said that some bank along the way MAY have charged a fee on the transfer. Later, it became clear that transferwise 's own bank was the one that charged the fee.     My complaint is that transferwise knew that its bank would charge a fee but failed to disclose that fact prior to the transaction. I would not have used this service had I known of the additional fee.     I have asked transferwise to reimburse the fee, but they refuse on the basis that it was the bank, not transferwise, who charged the fee. Transferwise does say that they will return the  XXXX   XXXX , but cautions that its bank may once again charge a transaction fee on the returned funds. Additionally, the fee I paid to my bank in the United States for originating the transfer in the first place will be forfeited and I will incur an additional fee from my bank for processing the returned funds.
Product: Credit reporting or other personal consumer reports

i have the inquiries on my TransUnion credit report but i did not initiate them 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account on my credit report that says i owe about $ XXXX in debt on an account that i never was aware of or that i never authorized. The report is now in collections. I just started to monitor my credit this past year in 2020 and its saying i been had this account i will ask that i have this account removed as soon as possible because it is having a huge negative impact on my transunion & XXXX  fico  scores and credit reports. This company can not possible say that it is me because i wasnt the individual who opened this account. Please help me with this process these creditors should not be reporting this incorrect information on my reports.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received a Bamk of America Transfer Order in the amolunt of {$150000.00} US. I thought this looked to be a scam so I investigated it by several emails to XXXX XXXX, Executiver Vice President of the Bank of America Escrow After many emails in the months that followed I sent her a form to comfirm this was real. I asked her if it was fraud not to sign it. Also that if it turned out to be fraud later, she would have to pay for this from her own funds, thus guaranteeing the funds would be sent to me. This was on XX/XX/XXXX that she sugned and returned it to me. I was requested to pay {$2800.00} US to XXXX XXXX XXXX XXXX. I paid {$1000.00} on about XX/XX/XXXX and the balance on XX/XX/XXXX. Aftere many, many more emails to her requesting my funds be release and paid to me, I got a message from her on XX/XX/XXXX stating that they totally agree with the guarantee that was signed, that the money is only waiting for the payment to be released. Being it is impossble to make any more payuments from here, can not do a bank transfer etc, I requested any furher charges be deducte from the transfer. Many more mails were written, threats were made to have the Bank of America math any funds transferred out of that bank, and other things. Now she won't even answer my emails, the last time I tried to write to her I got an error message saying my message was not delliverable. I never received any money whatsoever, My local police department declared this to be fraud. I have lost the {$4000.00} US plus the funds promised to me. i am a XXXX citizen living in XXXX. If more information is requred please email me.
Product: Credit reporting or other personal consumer reports

Your company EXPERIAN is in direct violation of15 US CODE 1681a ( 2 ) s-3 Definition ; rules of construction. By law EXPERIAN is not to report my transactions and experiences between me ( XXXX XXXX XXXX the consumer ) and XXXX XXXX. However, XXXX XXXX XXXX ( The Person making the report ) has purchased a charged-off debt. Therefore, I have no transactions and experiences to be reported by XXXX XXXX XXXX 
However, a consumer report has been reported by EXPERIAN. A consumer report by EXPERIAN shall not include a report furnished by XXXX XXXX XXXX even if there is a claim by XXXX XXXX XXXX of transactions and experiences. However, a false claim that there is transactions and experiences between me ( the consumer XXXX XXXX XXXX ) and XXXX XXXX XXXX the person making the report has been reported on my consumer report but, shall not be reported. Such a claim by XXXX XXXX XXXX is false. According to the law as it is written the term consumer report shall not be reported under the law regarding EXCLUSIONS as it is described below. My complaint against EXPERIAN does meet the standard set by 15 US CODE 1681a ( 2 ) s-3 - Definitions ; rules of construction. Therefore, I am demanding that EXPERIAN remove the Consumer file listed as XXXX XXXX XXXX from my Consumer Report
Product: Money transfer, virtual currency, or money service

On XXXX  XX/XX/XXXX, I sent a wire transfer to an individual, who banks with Capital One. I sent a wire transfer of {$2600.00} for a security deposit for a lease on a house that I applied for. I received a virtual PDF of a contract, as well as text confirmation of that we would get the keys and contract to the house via mail, once the security deposit was sent. After one to two days without communication, after sending the money, we found out the house was a phantom rental. I reached out to both Capital One, the other party 's banking institution, who said they would not be talking to me regarding the wire recall. Instead, they said they would only work with XXXX XXXX  XXXX, which is where I bank, and where I sent the wire transfer from. XXXX XXXX XXXX said they are working to get my funds back, however there is no guarantee. On XX/XX/XXXX, I submitted all evidence regarding the incident between myself and the other party, to law enforcement. A police report was made ( report number is XXXX ), and XXXX XXXX was notified of this incident, and has been/will be investigating further. When I mentioned this to my bank, they said they can't do anything to get my funds back, other than send recall requests to Capital One. Even though there is a criminal investigation and police report involved, Capital One refused to take that information down regarding this incident, and my bank ( XXXX XXXX XXXX ), said they can take the information and try to relay it- however there is no guarantee that it will hold any importance. XXXX XXXX XXXX said that law enforcement would better be able to assist my issue, however, XXXX XXXX Police Department said they will only be pursing criminal charges, and won't/ca n't take action in order to get my money back from this fraudulent incident. I have not heard from my bank regarding any updates, and the last update I had was during the week of XX/XX/XXXX, where they said that they are simply just filling out paperwork and sending it to XXXX XXXX, in an effort to recall the money that was wire transferred.
Product: Credit reporting or other personal consumer reports

I was stunned to find inaccurate accounts on my credit report this morning, and I have no idea how they appeared. I review my credit report often, but this time, I was faced with discrepancies that came out of nowhere. I even tried refreshing the page, thinking it might be a temporary issue, but the errors remained. This situation has left me very uneasy, and Im requesting a detailed check of the documents I've sent so I can stop worrying about this.
Product: Credit card or prepaid card

I am trying to close my Wells Fargo account. I had a verbal agreement for a settlement at a branch via banker connection in XXXX. After initial payment was made there was no longer any contact through either party and Wells Fargo voided initial verbal contract due to undisclosed terms. I sat with a banker a couple months later and when we called they told me I would have to pay the original amount prior to agreement even though I had already made a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent two debt validation requests ( XX/XX/2019 and XX/XX/2019 ) and have never received anything back.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was shocked to find multiple errors that should never have been there in the first place. These inaccuracies are more than just minor mistakesthey are actively damaging my financial reputation and creating unnecessary obstacles. I refuse to let misinformation dictate my creditworthiness, and I am demanding an immediate investigation and correction. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is both accurate and verifiable. If any of these disputed items can not be backed by solid evidence, they must be removed at once. This is not a simple requestit is a legal demand for compliance with federal law. I expect this matter to be resolved promptly. 

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 reporting or other personal consumer reports

I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information. 

Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

I am writing to dispute late payment entries that appear on my credit report for the following accounts : TXXXX 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 {$0.00} The report indicates that late payments were made on these accounts. However, I have reviewed my records and can confirm that all payments were made on time. I am requesting that the late payment markings on these accounts be updated to reflect my accurate payment history. 

If there is any confusion or if additional information is required to resolve this issue, I suggest you contact me directly or reach out to the customer service department
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, CREDIT BUREAU are required by law to remove & block any accounts which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these accounts being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following accounts that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXX XXXX : {$38000.00}.
Product: Credit reporting or other personal consumer reports

The inquiries were not initiated by me and I have significant concerns about their legitimacy. I urge you to conduct a detailed investigation and swiftly delete them from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an update on XX/XX/2022, concerning DEPT OF EDUCATION/XXXX XXXX This is my third time trying to get this issue resolved. You continue to ignore the violations you are breaking by reporting information that supposes to be excluded from my consumer credit report. You ignore my dispute and place the blame elsewhere but you are the one WILLFULLY VIOLATING THE LAW which is another violation. By law, you can not continue to ignore and break the law. It will not hold up in court. Updating my credit report is not fixing the issue when you suppose to delete whatever violates FCRA Laws. This is causing me to get denied credit, causing stress, and is damaging my reputation. If you continue to be a lawbreaker I will have no choice but to sue you for the damages you have caused. It's a shame I have to continue to go through this cycle because you continue to not comply with FCRA Laws. It is very annoying, tiresome, and stressful. Please obey the law! If this doesn't get resolved I will file a lawsuit with damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made numerous attempts to unfreeze my Experian credit report. The other two agencies had no issues. My concern is that I am unable to unfreeze my report in Experian and there is no human to answer the phone. Experian provides and directs me numbers which I call. But, the options are minimal and are not consistent with my issue. In addition, there is no way to reach a human. I have called, emailed, gone online, etc. Experian has made no attempt to reach out to me to assist. This is adversely impacting my ability to obtain financing for a home I would like to purchase and I may lose out on it and certain rates, etc because of this. In addition, how can a company that holds so much power over somebody's credit not have a human being available to assist with any issues?? This should be illegal. Can you please help me? Thank you so much.
Product: Debt collection

I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit  attached.
Product: Debt collection

As I check my credit report I realized a negative accounts on there was not mine as my information was bought and sold illegally because I was a victim of the XXXX XXXX breach, I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach .Please help me delete these illegal accounts from my credit reports ( 1 ) RC/Resurgent Receivables
Product: Credit reporting or other personal consumer reports

To whom this may concern, 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 XXXX Account # XXXX Date opened XX/XX/XXXX Account name : XXXX  XXXX Account # XXXX Date opened XX/XX/XXXX Account name : XXXX  XXXX Account # XXXX Date opened XX/XX/XXXX Account name : XXXX XXXX  Account # XXXX Date opened XX/XX/XXXX Account name : XXXX Account # XXXX Date opened XX/XX/XXXX Account name : XXXX Account # XXXX Date opened XX/XX/XXXX Account name : XXXX XXXX XXXX Account # XXXX Date opened XX/XX/XXXX Account name : XXXX XXXX Account # XXXX Date opened XX/XX/XXXX Account name : XXXX XXXX Account # XXXX Date opened XX/XX/XXXX Account name : XXXXAccount # XXXX Date opened XX/XX/XXXX Account name : XXXX XXXX  Account # XXXX Date opened XX/XX/XXXX Account name : XXXX XXXX  Account # XXXX Date opened XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Date opened XX/XX/XXXX 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 ) .According to 15 USC 1681 ( 5 ) Treatment of inaccurate or unverifiable information : ( A ) In general, 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.According to 15 USC 1681s-2 " Responsibilities of furnishers of information to consumer reporting agencies. '' 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.

According to 15 USC 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.

According to 15 U.S.C. 1681c ( a ) ( 5 ) of the Fair Credit Reporting Act ( FCRA ) states that consumer reporting agencies can not include certain adverse information in consumer reports that is older than seven years. This includes things like civil judgments, tax liens, accounts placed for collection, and other adverse items.

According to 15 USC 1681 section 604 a section 2 In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates.
Product: Credit card or prepaid card

I keep getting emails that I have a payment due on PayPal credit, which I have applied for or asked for, selected, or requested. I didnt know what this charge was for and then realized it for a purchase I tried to make but didnt realize PayPal had an expired so the transaction did not go through. I received an email from the company that there was an issue with my payment and to call them directly so I did. 

Before I realized this I actually tried to make a payment on pay pal and it didnt even let me. Thats when I dug deeper and realized this was for pay pal CREDIT. Its also worth noting the Synchrony bank is listed on the email. I have several store credit cards through synchrony and I definitely had to fill out a credit app to get approved. 

I have had a couple calls and voicemails from PayPal to get me to pay but I started getting worried it was all a scam. I looked up PayPals phone number online today and when I called it asked me for the last 4 of my social, which I reluctantly entered, it then kept me in a loop, not letting me speak to anyone and asked for my social again, which I would not enter. It eventually had me on hold for an agent but disconnected me. 

This has been added to my credit report.