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

Hello, I was in urgent need of a car for commuting to work. So I came across this online auction website. I have registered my account and provided my valid photo ID to register account. I have placed a bid on one of their car and placed bid on one of their car on XXXX XXXX. I used website XXXX XXXX XXXX XXXXXXXX for bidding. This website is not reachable anymore. On XXXX XXXX I got a invoice with wire transfer information so I used my debit account to transfer the fund by wire transfer to the bank account information provided below. After receiving payment they have sent me email regarding delivery date which was initially scheduled on XXXX XX/XX/year>. However I didn't got it delivered. I contacted them multiple times over the phone ( XXXX ) and got connected with them. They described because of delivery truck broke down can not delivered on initial date promised. And rescheduled it on XXXX XXXX. However they didn't delivered car on second chance. After realizing that the website is not reachable as well as no one is able to reach over the phone, I contacted my bank. However bank stated that the wire transfer is completed and mentioned that the recipient bank account doesn't seems to be fraud. 
So since after that I am waiting for the both banks to act upon. Haven't got any updates since all reported with the local Police Department report along with FBI IC3 complaints. 

My bank details : - Bank Name : - XXXX XXXXXXXX XXXX XXXX XXXX XXXX Address : - XXXX XXXX XXXX, XXXX, KY XXXX, XXXX XXXX XXXX XXXX  Account : - Bank Name : - Citibank Address : - XXXXXXXX XXXX XXXX XXXXXXXX, Fl XXXX Account Number : - XXXX Routing Number : - XXXX Wire Reference # XXXX
Product: Debt collection

Aspen National Collection XXXX has added an additional {$500.00} to my maintenance fee for XXXX XXXX XXXX XXXX preventing me from having access to the resort. Paid the previous years ( from XXXX ) & refused to provide my allocated weeks then come for more money. XXXX XXXX XXXX who is a XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX refuses to send me a maintenance bill for XXXX which includes my tax since I property owner ) I have a deed ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for account blocking and deletion due to identity theft Pursuant to 15 U.S.C. 1681c-2 ( a ) Dear Equifax representative XXXX I am writing to formally notify you that I am a victim of identity theft resulting from a data breach. Unauthorized accounts have been opened in my name or fraudulent transactions have been made using my personal information.
Product: Credit reporting or other personal consumer reports

I was part of the data breech. By right I have a right to accurate information on my credit report. I have contacted the 3 credit agencies regarding the data breech and my identity compromised but have not received any outcome yet.
Product: Mortgage

The property is in default with Bank of America and is ready to close to pay the loan in full ( along with all late fees/attorney fees ). However, when the statement came, it includes over {$27000.00} in " property maintenance '' fees. These are nothing but " made up '' charges. Bank of America refuses to even provide a breakdown of what was supposedly done. The property NEEDS to close next week to avoid further attorney/late fees and we are having to pay {$27000.00} extra for fake repairs. They claim that their property preservation department ( XXXX XXXX ) had replaced the roof ( this was never done ). They claim that there are substantial lawn maintenance charges ( there is no lawn ). They claim there has been cleaning done ( the interior is a mess and full of junk ). They claim they secured the property with new locks ( may have been done, except the locks do n't even work ). Bank of America should not be able to " steal '' {$27000.00} of my profit from the sale because they simply feel they can.
Product: Debt collection

I have contacted All major credit bureaus on the false information listed on my credit file regarding this company. I have no knowledge of the amount {$60000.00} this company is saying I owe. Also there are two separate accounts showing as duplicates on my credit report which are closed and and paid showing negatively. I never opened any accounts with this company on XX/XX/2016. There are multiple errors that this company is reporting on an alleged account. This and all information must be removed from all my credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had several deferred loan modifications with Well Fargo Mortgage. Between the years of XX/XX/XXXX and XX/XX/XXXX. During the loan modification months when they tell you not to make a payment, they also tell you after a decision is made that your mortgage account will start off fresh with no late fees. When I check my credit report it shows the deferred months as late payments. It also show as past history payment while the under writers are try to see what plan I qualify for. The statute of limitation for Texas is 3 or 4 years and its hard to raise my credit score. In XX/XX/XXXX I was one of the consumers who really could not afford a mortgage but was given a loan any way from XXXX loan and some time shortly my loan was transferred to Wells Fargo. I knew there was a law suite with Wells Fargo but I did not under stand why. Can someone please tell me where do I stand on this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.I have a loan with XXXX. The current status should not be showing late because I paid it on time. Experian and XXXX Credit Reporting Agency lacks proper record keeping. The account is closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about this complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove this account immediately. REPAIR THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX  Date Opened XXXX XX/XX/ Balance : {$270000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I paid XXXX the remaining balance of a charged off loan in the amount of {$54.00} ( {$52.00} plus tax ). The account wasnt updated with the credit bureaus so I disputed the account to get it updated but the account still came back showing a balance of {$52.00}. I called the company multiple times and they have acknowledged that I paid the account but have stated they dont know if the credit bureaus will update the information. Can you please help rectify this problem. 

Attached is the bank statement showing payment to XXXX. Page 6.
Product: Credit reporting or other personal consumer reports

I have serious concerns about several inquiries from your company appearing on my credit report without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

From XX/XX/2017-XX/XX/2017, TD bank was receiving charges from XXXX of {$32.00}. The charges were attempted and denied a total 4 times by the company. each attempt was charged a {$35.00} overdraft fee. At time of writing, there are others pending as well. 

This was billing error that has since been resolved. TD Bank has full discretion when accepting or denying payments. I do not believe TD adhered to the high ethical standards that it sets for itself.
Product: Credit card or prepaid card

A credit card I had opened with chase bank in XXXX of 2014 is still being reported to the credit bureaus. Due to financial hardship, the account fell behind and was closed. When I spoke with a company representative requesting to have the negative item removed when the debt is settled. The person I spoke with informed me that Chase bank will not comply with the removal of an item more than 7 years old regardless of whether it's paid back. The Fair Credit Reporting Act states that negative information that is more than seven years old may not be reported. I have tried to dispute the issue with Chase Card Services by speaking to one of their customer service reps to no avail. The credit reporting agencies have not responded to my request to have it removed. 

I believe the Fair Credit Reporting Act was instated to help people recover from their financial hardship. However, the employee I talked to said on behalf of Chase Card Services that they will not comply with the law regarding credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance to the Fair Credit Report Act Companies/creditors listed below has violated my rights.

15 U.S.C. 1681 section 602 states I the consumer have a right to privacy.

15 U.S.C. 1681 SECTION 602 SECTION A 2 : Also states consumer reporting agency can not furnish a account with out my written instructions. 


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

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 7. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 10. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft )
Product: Money transfers

I paid via HSBC wire transfer on XXXX,2015 for a trip to XXXX to a bank in XXXX XXXX advised that this would take XXXX business days. On XXXX XXXX 2015 I was notified by the tour company that they had not received the funds. I called XXXX at HSBC bank. She was unable to tell me what the delay was. I told her that because we were about to leave for XXXX, I needed to ensure our trip in XXXX was paid for before I left the XXXX & to cancel the wire transfer on XXXX XXXX 2015 & I would pay by credit card - which I did. When I returned from overseas on XXXX XXXX, 2015 & turned my phone on, there were XXXX messages from HSBC asking me to call them. I did so on XXXX XXXX and was told by XXXX that HSBC 's security department put a hold on the wire transfer because I was supposedly sending money to XXXX. Apparently they had not cancelled the wire transfer as instructed on XXXX XXXX 2015. They advised they would cancel the wire transfer immediately. I was then called by XXXX at HSBC some hours later to advise that I would be responsible for the difference in the exchange rate as the XXXX dollar had fallen against the XXXX in the ensuing XXXX weeks. I said I was not responsible for the delay and that I should not have to pay for HSBC 's tardy service. I enquired as to the amount we were discussing and XXXX was unable to tell me but insisted on my giving her an acceptance response on the spot. I said I refused to accept the costs as the delay was not of my making but was because HSBC had delayed in my instruction on XXXX XXXX 2015 to cancel the wire transfer. I asked her to call me back on Tuesday XXXX XXXX 2015 with an estimate of the costs involved. She did not. I called HSBC Premier department at XXXX and asked why I had not been called by XXXX and given an estimate of the costs involved. I was informed that she was not available. 
XXXX of HSBC then called me at XXXX today ( XXXX XXXX 2015 ) and advised that due to the current exchange rate, cancellation of the wire transfer would cost me an estimated $ XXXX. This is 10 % of our trip costs. I said this was unacceptable as the whole reason the wire exchange needed to be cancelled was that HSBC had placed a hold on the transfer because they believed I was sending money to XXXX. 
My complaint was then transferred to XXXX of HBSC who advised me that on XXXX XXXX 2015 HSBC would have transferred the money and the accepting bank in XXXX was the reason for he delay. I asked him how could that be since on XXXX XXXX 2015 I was being advised that HSBC had placed a hold on the wire transfer due to the XXXX concerns, and that I still needed to cancel the wire transfer. This is totally unacceptable. HSBC then said they did not have a way to refund the {$220.00} to me as it was their 'Policy '. XXXX also said there was no way for me to make a more formal complaint. I enquired about a Banking Ombudsman and XXXX did not even know what an Ombudsman was. XXXX told me he would record my complaint for statistical reasons and to improve customer service. So I went on line and found this address and am making this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE-Citibank is reporting inaccurate information to all three major bureaus. They responded to a previous CFPB investigation stating that the information was correct. The past due history is showing for XXXX  : past due ( XX/XX/19 and XX/XX/19 ). Equifax : past due ( XXXX ) and XXXX  : ( XXXX ). Under the federal Fair Reporting Act ( 15 U.S.C section 1681 and following ) you are obligated to investigate this request within 30 days and promptly give credit reporting agencies correct information. These negative remarks are damaging my credit. Please promptly contact XXXX, XXXX  and Equifax and any other credit reporting agency to which you have reported and remove all past due history from my file because it is misrepresentation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Auto Loan with account # XXXX opened on XX/XX/year> and a balance of {$0.00}. 
This account is incorrectly reporting that I have 32 late payments with Experian. On my XXXX report there are 12 late payments being reported. XXXX is showing account past due and balance is {$0.00} Please investigate the inaccurate information per 15 U.S. Code 1681 this account is being reported inaccurately and these matters are hurting my credit score and per Fair Credit Reporting Act ( FCRA ), the inaccuracy of this reporting needs to be deleted asap. Per CFPB laws and regulations, I am demanding this inaccurate account be deleted now or be subject to penalty and civil action lawsuit with a violation of {$1000.00} per day this inaccurate account with inaccurate information is being reported. Thank you for your assistance.
Product: Payday loan, title loan, or personal loan

5 days after missing the first payment on loan my vehicle was repossessed from me and held by the company whom demanded that the loan amount be paid in full in order to retrieve vehicle. The loan was poorly explained to me, I was under the assumption that there was to be one payment made monthly, not two. It has been a year now since XXXX XXXX had taken my vehicle. I have been since honorably discharged from the XXXXXXXX XXXX XX/XX/2018. I currently find myself unemployed and with little hope in sight. This company has caused great distress and more than financial hurt in my life. I was employed full-time with a position I had enjoyed, after losing my transportation I had lost my job. I would just like it to be known how cynical and deceiving this company is. Something like this should not be legal. What they have done to my life now is extreme to say the least. I would like to warn the public of this company and their tactics in hopes that they can avoid this occurring to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX is showing old incorrect addresses on my report. I would like them removed please due to me no longer being at any of these addresses.
Product: Debt collection

On XX/XX/XXXX a technician cam to my home to complete my XXXX one gb internet service order. Once he connect the internet he was not able to get the gb speed connection. It was only 200 mb speed. He contacted his office and tried a lot to get the speed. He was at my home almost for an hour but was not able to fix the problem. He told me to contact XXXX on Monday, XXXX of XXXX in working hours. When Monday comes I called XXXX and they sent the same technician. Again, was not able to fix the problem. The same day after he left I called XXXX and asked them to cancel my order immediately. On XX/XX/XXXX, they sent me this email this email asking to stay with them. 


" XXXX, stay with Fios and you could save XXXX XXXX XXXX To : XXXX XX/XX/XXXX at XXXX XXXX Stay with Fios and enjoy this special offer. 
Your personalized bundle is just Continue with Fios and you could save money. 
Its not too late to keep enjoying the benefits of our 100 % fiber-optic network. Weve received your request to disconnect your Fios service and wanted to extend a special offer to you. 
To learn more about this offer, visit us online or call XXXX before your disconnect order completes. 
We look forward to hearing from you. '' They told me they cancelled it right away. They ask me to return the equipment which I returned. Here is the confirmation email from XXXX about the equipment return. 

" XXXX Notification XXXX To : XXXX XX/XX/XXXX at XXXX XXXX Hi Valued XXXX Customer, Your equipment was received and processed on XX/XX/XXXX. There is nothing additional for you to do. 

We look forward to working with you in the future. '' The same day I contacted XXXX and ordered a service which I am still using. After a while XXXX sent me a bill. I called them and explained the situation that I never received a service from them. Then they said they will adjust my account to XXXX balance. 
On XX/XX/XXXX I received a letter from debt collector that I owe them {$40.00}. Then I called XXXX to talk about this bill. When I called XXXX number and put my account information, the call is transfer to the collection agency. I was not able to access XXXX anymore. 
I am filling this complain because XXXX is sending a bill for the service they never provided and also send my account to collection agency who intimidating me and create a fear on my financial history.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I placed a call to Equifax. I explained to the representative that I was challenging everything being reported on my consumer credit report and that I was not asking for verification or validation. I explained to the representative that I had previously disputed this information to no avail and that I was not provided all 5 things pursuant to federal law 15USC1692G, once validation is requested. As the original creditor, I do not validate the debts of the accounts being furnished. I stated to the representative that I was commanding immediate and permanent deletion of all negative accounts being furnished and that Equifax immediately and permanently stop reporting all negative accounts being furnished and to cease and desist any further communication with myself and any 3rd party debt collector for all purposes. I also explained to the representative that because of these invalidated alleged debts being shown, my XXXX children and me lives has been impeded and impacted and we have missed out on so many opportunities due to these accounts being furnished. I also stated to the representative that I have studied to show myself approved and I will use every legal mean to enforce my consumer rights under the FCRA. I never gave agencies permission to report anything to the credit reporting agency and I never gave Equifax consent pursuant to federal law 15USC1681b ( 2 ).
Product: Debt collection

On XX/XX/XXXX I received an alert on my XXXX report that I had a new collection account I was very disturbed by this news and immediately opened up my credit report to see what was going on. I see a collection posted from a company called Prince Parker stating I owed a debt I have never heard or done any business with company. Furthermore on my report it stated I opened the account with them XX/XX/2021. So I was really confused this is the first time i hear about this company when they put the negative on my report and then for them to have I opened the account with them in XXXX this is inaccurate not validated information being reported to my credit. I didn't receive any letter in the mail stating I owe them anything or any written letter given me the opportunity to dispute a debt. This is unfair debt practice to place something on a persons credit without having one conversation with them or sending any notification by mail just placing a collection my account without verifying anything. I disputed the account and requested validation and today I received a payment coupon to make a payment. Not a welcome letter introducing themselves or explaining where they come from or any reference stating I have a right to dispute just a payment coupon saying please submit payment. Can you please look into this.