23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am very dissatisfied about a negative reporting that had been placed on my credit filed without my acknowledgeable, but smear lie, bias, discrimination, bigotry and because of my feminist status. I am a hard working XXXX that hardly afford to pay my own bills, in fact I have never done business with the alleged creditor for the past years while being in the united states. XXXX XXXX XXXX did n't just report the wrong information, but they also violated my consumer right, and that has hurt my credit in some way of the other. I request that the information reported by the management be removed, and necessary action taken against the management for making such ignorance statement.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I submitted a wire transfer request via my online account with western union. The wire transfer was for {$4600.00} to my friend in XXXX who I have known, visited with, and been in correspondence with since XXXX. I have wired funds to this friends many times over the years of knowing her. This is the first time I wired money through western union to her bank account. Previously I wired to a western union pickup location. I submitted information via my online account including the bank name in XXXX, the bank account number of the recipient, and the recipient 's name. The bank name was available via a drop-down menu ( i.e., was a bank known to western union ) . I was informed by western union that the transaction was completed and the funds were deposited into the recipients account on XXXX XXXX.The recipient has gone to the bank 6 times since XX/XX/XXXX, including most recently on XX/XX/XXXX and the bank indicates that the funds are not in her account. Approximately XX/XX/XXXX, I called western union for a XXXX time regarding the transfer and they requested that we provide the recipients bank statement to show that the funds were not deposited in her account. On XX/XX/XXXX I submitted a bank statement to western union for the period of XX/XX/XXXX to XX/XX/XXXX showing that the funds had not been deposited. I received a response requesting a statement for the period of XXXX XXXX ( email attached below ) suggesting that western union had misread the bank statement ( attached below ) which clearly shows the period of transactions as XX/XX/XXXX to XX/XX/XXXX. I called and emailed western union clarifying that the bank statement included the period they requested. Western union indicated via phone that the bank told them they had deposited the funds into the recipient 's account and that the bank also provided them documentation of this deposit. After 3 additional calls to western union following up, I was told that they would provide this documentation to me by email within 24 hours so that the recipient could provide that documentation to the bank. The documentation was never provided after 5 business days. I followed up again with western union regarding the document and was told that there was nothing they could do ( see second and third response from western union below ). They declined to provide the document they previously indicated they would provide. Western union has not provided any proof that they transferred the funds to the bank or that the bank deposited the funds into the recipient 's account. Their website indicates that if the funds do not get deposited in the recipients account, that the funds will be returned to the sender. However, the funds from my transfer ( {$4600.00} ) have not been provided to the recipient as indicated via the service I paid western union to provide nor have they returned the funds to my bank account. They have declined to return the funds or locate them.
Product: Money transfer, virtual currency, or money service

thread as all other messages from USAA, phone number " XXXX ''. These text messages notified me that two wire transfers were sent, in the amounts of {$9800.00} and {$7200.00}. The text message notified me to call " XXXX '' if unauthorized. I believe I called this number and spoke to an individual who I believe was from USAA. The individual informed me that I was being scammed and USAA would be stopping the wire transfers from going through. I was on the phone for over an hour with the individual. I did not give my password. This occurred shortly after I signed up for XXXX. I believe that the individual sent the wire transfers through the XXXX app, by accessing my acccount. I do not recall ever giving my password or pin number during this conversation. 

USAA stopped the wire transfer for {$9800.00}, or the transfer was otherwise unsuccessful. The {$7200.00} wire transfer was successfully completed. I believed that USAA was aware of this. I called USAA ( the correct phone number ) several weeks later to check on the status of the investigation and USAA informed me that I was not on the phone with USAA on XX/XX/2022. I requested a reimbursement. USAA informed me that they would be investigating and it would take a very long time for me to reimbursed and further stated that I may never be reimbursed. The USAA representative reassured me that they would fully investigate the matter. 

I called back periodically and there was no information regarding the investigation. I was passed to the office of the CEO at USAA. These individual were very polite but offered no explanation or update. These individuals informed me that someone would be in touch with me, however, weeks went by with no update. I was unable to speak to the same individual and was forced to repeat my request for reimbursement. I was never asked for supporting documentation even though I offered it to USAA. The fraud scheme spoofed USAAs phone number and I offered to provide these text messages to USAA but they were not interested in receiving this documentation. 

USAAs strategy was to delay by stating that someone would be in touch without the intention of ever resolving this matter or investigating. I demanded to be given an answer regarding whether my claim for reimbursement was denied. USAA representatives refused to inform me that my claim for reimbursement would be denied, if it was still under investigation, and refused to respond in any substantive way. 

After repeated phone calls to the Office of the CEO, I asked for the agent who is authorized to accept service of process on behalf of USAA for the purpose of commencing litigation. The representative refused to provide this information. 

Prior to this fraud, I had only sent wire transfers on the most rare of occasions, including when I purchased homes. Since USAA 's refusal to address this issue, I am transferring my money and closing my accounts with USAA in preparation for litigation. I intend to commence litigation imminently.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXXXXXX 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 sent letter to XXXX disputing the information contained in my file. I received a standard email back from XXXX who reports information to TransUnion Credit Reporting Services. Transition sent me response saying they verified the information I called the number and was on hold multiple times to no avail. I contacted transunion a number of times and was placed on hold for call to disconnect, I contacted Transunion who indicated that XXXX verified the inaccurate information. 

So I decided to write the original furnisher directly ( please see attached their response ) who confirmed their is no bankruptcy information nor any personal identifying information provided from the court. 

I am requesting removal of this bankruptcy information from my file and for XXXX to notify TransUnion of the deletion. 

Additionally I didn't authorize any sharing of any privacy information to XXXX.
Product: Credit reporting or other personal consumer reports

I filed a dispute on several occasions with Mohela/Dept of Education on several accounts because they are attempting to collect money for a school that has been closed since XXXX, I have also filed a complaint with The Dept of ED 3 years ago. These accounts are on all 3 credit reporting agencies in which I have disputed them for the last 5 years. These accounts are as follows with what they say is due, XXXX Direct Loan - Subsidized School XXXX XXXX XXXX Loan Status Repayment Estimated Payoff Date XXXX/XXXX/XXXX Repayment Plan Income-Based Repayment {$2000.00} 3.400 % XX/XX/XXXX School XXXX XXXX XXXX Loan Status Repayment Estimated Payoff Date XXXX/XXXX/XXXX Repayment Plan Income-Based Repayment {$4800.00} 6.800 % XX/XX/XXXX. XXXX denied to follow up with the investigation. I recently was notified that the CFPB has filed a lawsuit against XXXX. They alleged the conpany of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation. XXXX has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed immediately as it is affecting my chances of getting a home. XXXX violates my rights as a consumer, as well as federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, OK XXXX, XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX* Balance : {$0.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00}, XXXX XXXX XXXX XXXX Balance : {$710.00}, XXXX XXXX XXXX XXXX Balance : {$570.00}, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX Balanced Owed : {$0.00} XXXX  / XXXX  XXXX Balanced Owed : {$0.00} XXXX  XXXX  XXXX Balanced Owed : {$0.00} XXXX XXXX Balanced Owed : {$0.00} XXXX  XXXX Balanced Owed : {$260.00} XXXX XXXX XXXX Balanced Owed : {$7400.00} XXXX XXXX  XXXX Balanced Owed : {$49.00} XXXX  XXXX Balanced Owed : {$870.00} XXXX  XXXX Balanced Owed : {$2600.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, 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 ( original creditor : XXXX XXXX XXXX  XXXX ( XXXX ) - XXXX XXXX XXXX ( XXXX ) - XXXX XXXX XXXX XXXX ( XXXX ) - XXXX XXXX XXXX ( XXXX ) 15 USC 1681 sec . 602 A states I have right to privacy.

15 USC 1681 section. 604 A sec 2 it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c. ( A ) ( 5 ) sec. 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 7 years.

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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted these auto dealers and places about these 34 inquiries on my credit report with equifax. I also contacted equifax and there response to me is they cant do nothing about it. I never signed or agreed to have these inquiries on my credit report. I am very unhappy about there customer service and what they are doing to my life with credit reporting.
Product: Debt collection

This debt is not mine. They keep transferring it back and forth with insurance companies.
Product: Checking or savings account

I wrote a check on XX/XX/21 XXXX  XXXX XXXX to XXXX XXXX and placed it in a US Mailbox. The check was mailed from XXXX XXXX, FL and addressed to the XXXX XXXX office in XXXX XXXX, NY. The check was altered and presented to a XXXX XXXX XXXX branch and was negotiated there. I immediately notified Chase, and they told me that it would take 30 days to get my money back. I placed numerous calls to Chase, and was informed that they contacted XXXX  XXXX XXXX on XX/XX/21 and they are still waiting for a response from that bank. Each time that I call Chase, I receive a different version of what may/will happen. Chase has told me now that it would take 60-90 days for them to finish the investigation, and today also informed me that I would probably not receive my money back. I am appalled at the lack of transparency, and concern from the beginning of this situation. I have received not one scintilla of communication from Chase after I immediately filed the attached paperwork with them. I am appalled at the fact that no one has reached out to me regarding this matter. Maybe I could be of further assistance, or maybe that would actually CARE that I am out {$10000.00}. I used a check which was provided by Chase, which did not have any warning that I would be responsible for any fraudulent activity, nor did Chase follow up with the last communication from XXXX  XXXX XXXX on XX/XX/21. I previously banked at XXXX XXXX, and was of victim of fraud there, and that is why I left to go to JP Morgan Chase, and was assured that the levels of security at Chase would be much better. Ironically, XXXX XXXX, refunded my money in 2 weeks time. On top of all of this, the customer service at JP Morgan Chase is abysmal, as I am on hold for an average of 20-30 minutes, and usually have to call back because the call is always disconnected. Since JP Morgan Chase has no interest in the fact that I have been without {$10000.00}, I have contacted XXXX XXXX, ( the initial payee of the check before it was changed ), who coincidentally is owned by XXXX  XXXX XXXX XXXX where the fraudulent check was cashed ), hoping that they could be of some assistance.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Date : XX/XX/scrub>/2025 To : Credit Reporting Department Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by XXXX, Experian and XXXX. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-off for {$33000.00} from XX/XX/XXXXand {$39000.00} from XXXX XXXX XXXX XXXX listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of, XX/XX/year>2025. 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non- compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance.

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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 XXXXXXXX, 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

Account was only late on XX/XX/2022, he rest are falsely recorded. 
This company needs to be investigated! Very bad practices and very unethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported this issue to Experian several times over two years. Provide all documents necessary to remove this charge. The account showed closed in XXXX, but in XXXX XXXXXXXX XXXX account reflects open until today. I have contacted XXXX XXXX multiple times, XXXX has provided documentation of a " XXXX '' balance, and those documents were submitted to Experian. However, they have not removed the charge from the account. Also, The amount is still increasing and hurting my credit score ; I need this to be removed and resolved promptly. The amount in dispute is $ XXXXdocuments attached from XXXXXXXX XXXX XXXX financial Page. They also showed the account in collection, removed it, and reopened it.
Product: Mortgage

Loan application was processed, but lender did not provide the " Loan Estimate '' Disclosure as required within 3 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries and account listed in my report were inaccurate. I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these items continues to be sent around and affecting my credit. The credit bureaus didn't do anything to correct the items listed below : XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX