23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfers

1. On XXXX/XXXX/15 I sent $ XXXX Western Union XXXX XXXX XXXX my son in college there. Apparently it was not picked up. 
2. Western Union kindly sent me an email stating that funds were not picked they included the last digits on the trucking number see attached. 
3. i Responded by telephone : requesting to send it to the agnt through which I 'd wired it. Not acceptable unless I presented a proof of trucking number. I was not able to locate the receipt. I conitnued to meet their requirements to recover the funds. I faced more demands of requirements last requirement to provide oicture ID, Address, see attached.No+ results
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 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 items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FLXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FLXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FLXXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FLXXXX ; XXXX XXXX XXXX XXXX, FLXXXX ; XXXX XXXX Balance Owed : {$8600.00} ; XXXX XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX XXXX Balance Owed : {$35000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$100000.00} ; XXXX XXXX Balance Owed : {$880.00} ; XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

Dear Transunion ; I am requesting that your staff open an investigation [ pursuant 15 U.S.C. 1681 via FCRA ] as pertains to 8 out of the 10 documented HARD INQUIRIES that are recorded in my Transunion Consumer Report. ( see attached ) On or around XX/XX/XXXX & XXXX, XXXX, it is clear that I was shopping for a vehicle for which The Dealership ran my credit ( hard pulls ) through several different financial companies seeking out financing for a car. All 8 of these hard inquiries are all documented on the same day and symbolize vehicle financing inquiries. 

My argument is that All XXXX of these inquiries under FCRA Law - only count as 1 Hard Inquiry being that they are all for the same thing, Not 8 separate hard pulls. Please Consolidate the following identifiable ( 8 ) Hard Inquiries into One ( 1 ) Single Hard Inquiry. If Not, please explain why- in plain Details! 

XXXX XXXX XXXX XXXX XXXX XX/XX/year> ) XXXX XXXX ( XX/XX/year> ) FIRST XXXX XXXX - XXXX ( XX/XX/year> ) XXXX  ( XX/XX/year> ) XXXX XXXX XXXX XXXX ( XX/XX/year> ) XXXX XXXX ( XX/XX/year> ) XXXX ( XX/XX/year> XXXX XXXX XXXX XXXX XXXX ( XX/XX/year> XXXX XXXX Number 1 & 8 are from the same company only one day apart!
Product: Debt collection

On XXXX XXXXXX/XX/XXXX, I received a voicemail from a local telephone number at XXXX XXXX. The voicemail told me that someone was filing a civil suit against me : Hey this is an urgent message intended to contact you in reference to a complaint. If you have any questions or concerns regarding a pending access that are being filed against you you will need to contact the issuing firm at XXXX again that number is XXXX to discuss, this requires your immediate attention and it is imperative that we speak to you or they will be forced to make a decision without your consent again this is an urgent message. When I called the number me time, a man answering said it was a law office, and I hung up. The second time, a woman answered and said it was someplace like XXXX XXXX. When I gave her the reference number in the voicemail, she put me on hold for 3 minutes and then told me that HSBC was filing a civil suit against me for {$760.00} that was owed between XXXX and the last contact they made was in XXXX She asked what was going on in my life then that I chose to not repay my debt. Then she said that HSBC would be taking legal action and would also collect interest fees dating all the way back to when the debt was made, so 17 years of fees plus court filing fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX  XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$630.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts that's closed or negative ratings- Lane Bryant XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXPolice Report #
Product: Money transfer, virtual currency, or money service

I will try to describe the issue as best as I can. 

This issue has two issues within it. I had a Binance.com account since about XXXX I believe. Within the Binance account I owned several shares of the coin 'XXXX  ' ( the value was between $ XXXX {$1400.00} at the time ). A couple of month 's ago, Binance.com gave a warning that US citizens were soon going to not be able to access Binance.com and were warned to transfer our crypto currencies out of our account. After receiving the warning, I created a Binance.com/us account and attempted to withdrawal and transfer my 'XXXX ' shares to the Binance.com/us account. I attempted many times and failed. Binance.com/us did not have a URL to transfer to the account. Therefore I was unable to transfer my XXXX money from Binance.com to Binance.com/us. I also attempted to withdrawal/ sell my shares to deposit into my bank account, however, because I was a US citizen I was restricted from making that kind of transaction. At the time I was not aware that there might have been another way to transfer the XXXX to different 'wallet '. After reading XXXX, I learned that I was not the only person that had the same issue. I was advised to get a crypto wallet of some sort and transfer the money that way. By then, it was too late. 

I attempted several times to Binance.com 's contact customer service via online chat on XX/XX/XXXX because that seemed to be the only way, and I did not receive any help with the issue. I did not have any questions properly answered. The only thing I recall them saying to me was that US citizens are not able to access their Binance.com account anymore. When I put in my last support ticket, they also never got back with me on this issue. 

I was going to attach the e-mail chat 's to this, however, when I went to the e-mail 's of the chat, I click on the chat and it is no longer there. I'm not sure what other information I should submit to you all. I can provide my credentials at some point. I'm not really sure what to do and was directed to contact consumer finance for help.

What I need is my money from my Binance.com account where I own XXXX returned to me or to a safe place that I have access to at any time. Thank you so much in advance for any help with this issue. 

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

The account listed on my Equifax credit file as being owned by XXXX XXXX XXXX, Account # XXXX should not be reporting to my credit file. It was previously reported under the original company as XXXX and DELETED due to fraud. This is a reinsertion of a fraudulent file and should be removed immediately. I have brought this to a representatives attention but have not received a response in a timely manner regarding this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act These Accounts ; HAVE VIOLATED MY RIGHTS 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 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 an account without my written instructions. 

In addition, after reviewing my full credit report, all of the accounts listed above have wildly inconsistent " DATE OF LAST PAYMENT '', " DATE LAST REPORTED '' & " DATE LAST ACTIVE '' information.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding unauthorized inquiries on my credit report, which I believe resulted from a data breach. My personal information appears to have been leaked in several incidents, including breaches at Experian, XXXX, Equifax, and the Social Security Administration, among others. 

Despite not having any active accounts or authorizations with these companies, I have noticed several inquiries on my credit report that are not mine. I have attempted to resolve this issue directly with the involved companies, including Experian, Equifax, and TransUnion. However, they have informed me that they have no record of any legitimate application under my name and have insisted that removal of these inquiries is only possible upon presentation of an FTC report. I have complied and filed a report with the FTC, yet the inquiries remain on my credit file. 

Given the circumstances, I request that you investigate these unauthorized inquiries and facilitate their immediate removal from my credit report. The continued presence of these inquiries is causing significant distress and is negatively impacting my credit standing. I also request that measures be taken to prevent future unauthorized use of my information, especially upon lifting my credit freeze. 

Attached, please find copies of my FTC report and any additional documentation that supports my claim. I appreciate your prompt attention to this matter and look forward to a resolution. I will provide a FTC report and my Drivers License
Product: Checking or savings account

I deposited a fairly large check into my checking account. The check cleared. The funds are still in the checking account. But they have closed my account and will not mail me a check for the remainder on my account. Isn't this illegal?
Product: Checking or savings account

I called Citibank on XX/XX/2023 to close my certificate of deposit account and ask for the check to be mailed to the address on file. This was after the certificate of deposit matured and during the grace period where there would be no penalty fees for closing the XXXX. The check did not arrive after XXXX business days, so I called again and asked them to reissue the check. The check still did not arrive by XX/XX/2023, so I called and asked them to reissue the check to a different address. They said they had everything taken care of and the check should arrive at the new address in XXXX calendar days. I know the address was changed properly because I received an email showing the new address on file. However, as of XX/XX/2023, the check still has not arrived at the new address. I called on XX/XX/2023 to inquire about the status of the check and they said it has already been issued to the address on file, so I would need to visit a branch for more information. It is difficult for me to visit a branch because the nearest XXXX is very far away, and I let the customer service representative know about this, but they were unable to provide an alternative solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I PULLED MY EQUIFAX CREDIT REPORT AND NOTICED SEVERAL FRAUDULENT ACCOUNTS REPORTING. I HAVE SUPPORTING DOCUMENTS SUCH AS FTC, DL, SSN
Product: Credit reporting, credit repair services, or other personal consumer reports

As notated on my credit report, XXXX XXXX  XXXX at XXXX XXXX XXXX, XXXX XXXX TX, XXXX reported a high due balance of {$5700.00}. The issue with XXXX XXXX XXXXXXXX has already been previously resolved. The company has already dismissed the case against XXXX XXXX by their own initiative on XX/XX/2018.
Product: Checking or savings account

My phone was taken at night on XXXX, with that my debit card and ID were taken. My passcode ID on my phone was my birthday which my ID ( which includes my Birthday ) was located on the back of the phone. Following that there was transactions of {$4300.00} between XXXX and XXXX. I never authorized these transactions as I did NOT have possession of my Phone, Debit Card and ID. I called bank of America immediately in the morning when they opened to report this. That is when they explained to me there was all these transactions taken, which I instantly denied. Bank of America then informed I would then have my money within two days. I reached out again on XXXX as I was still very nervous and then was informed that perhaps this investigation would take longer, and I would then be given my credit back on XX/XX/XXXX. Then today at XX/XX/XXXX Bank of America rejected my claim. They rejected on the fact that since the XXXX transactions could only be done on my phone, thereby only I was the person that was authorized to do it. I explain HOW, if I clearly did not have my phone. Now today XX/XX/XXXX, Bank of America claims I never told them I did not have my phone. LIES!!! That was the first thing I mentioned when I called on XXXX early in the morning. I had to verify who I was based on mother 's maiden name, and log in. Since I could not verify my identity via a text ( since my phone was taken ) and I could not verify the numbers on my ID ( since it was taken ). I NEVER AUTHORIZED this. Any normal person who saw these transactions would instantly see it as fraud. I reported this ASAP to bank of america. Bank of America claims to have a {$0.00} liability when reported, as well as Regulation E requires it within the first 2 days. I reported this within hours. Again I did not have my Phone, ID or Debit Card itself. Bank of America is refusing to return my money that was stolen, after representatives at first assured me I would be returned this.
Product: Checking or savings account

I was contacted by email Bank of America, XXXX XXXX, XXXX ; XXXX XXXX XXXX Complaint Operations Bank of America XXXX Extension : XXXX C- XXXX To confirm my previous CFPB complaint was actually done by me, I emailed back yes, got no response. So I called, straight to voicemail when it was NOT lunchtime/break time OR before/after his work hours. So I left a voicemail, it has been XXXX  days. He has yet gotten back to me. If this doesnt get solved I will continue to file complaints, my original complaint issue has yet to be solved so they just keep me on the line to be hanged. I XXXX  you guys so much XXXX  XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the XXXX filing this complaint, not some company or not any other third party. My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All are being investigated by the FTC.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding inaccurate information reported in my Factor Trust credit file. Despite submitting a previous dispute under Report Number XXXX and Dispute Number XXXX, my Factor Trust file has not been updated with the correct information. 

This failure to update my credit file is in violation of the Fair Credit Reporting Act ( FCRA ) and has caused adverse effects on my financial standing. Furthermore, I am a victim of identity theft, and my official police report is attached to support my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I discovered my info in the EQUIFAX data breach and was given a claim. I filed with FTC affidavt, along with notifying the credit bureaus of all the inaccurate and many errors on my report. 
According to 15 USC 1681i I have a right to fair and accurate reporting on my credit report in a timely manner, with comment of account in dispute. 
EQUIFAX has refused to comply and has continually violated my rights. 
I did not oppen this account nor have any knowledge of the account. 
EQUIFAX deleted the following account originally only come back and reinsert it once again, with different info. THIS is illegal and constitutes fraud! 

XXXX XXXX XXXX {$12000.00} Delete this account or pay me {$1000.00} Per violation.
Product: Credit card

I have been harassed by harassed and threatened by Moe 's Law Firm and XXXX XXXX  over a year now. They have shared private information that have been reported as identity theft. As a result as a consumer defamation of my character as well as being discriminated against due to false allegations. As a result I've been denied personal essentials home, car, basic needs as living soul. There's just no way that a corporation that is so corrupt place false inaccurate information to the CRAs on a constant basis remain able to operate. My rights as a living soul have been taken from me destroyed in a place of sadness sorrow having nowhere to go from hear. Please know that I crying out for help and justice inn this matter. This is my finale plea for those that can will and can assist me to be free from the cage that XXXXXXXX XXXX and Moss Law Firm have placed me in XXXX. Their plans to ruin destroy to lie XXXX  is at work.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report.Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Money transfer, virtual currency, or money service

In XXXX  I was scammed out of thousands of dollars by people who utilized XXXX in order to get fund out of my bank account. The company closed my account while reviewing the fraud and eventually gave me my account back but I had lost all of my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was contacted by XXXX XXXX, who stated they were collecting a debt on behalf of One Main, I was advised if I successfully settled the account they would agree to remove it from my credit bureau. I set up a payment agreement with XXXX for 6 payments to settle. Upon attempting to make my fifth payment, XXXX XXXX changed to a different company and stated my account was pulled from them. I contacted One Main who stated the account was pulled, however agreed to complete the settlement, upon advising them the account was to be settled and removed from my credit bureau they advised me this was not a practice they did, and what XXXX XXXX offered they could not. I told them this was not what the original agreement was basically they are breaking the agreement. Due to already making 5 of the 6 payment to settle, I paid the account off and requested someone in their customer resolution department contact me. I received calls from the rudest people totally disregarding what XXXX XXXX offered. I requested they pull the call and review it so our original agreement could be honored. I was advised that XXXX had changed to a new company and this was not possible. 
I am very upset because I kept my end of the settlement and I expect them to do what XXXX XXXX promised. They agreed that XXXX XXXX was representing them so this should be honored.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information from my file. These items I am deleting are listed in the report. I am big team of identity theft and I did not make the charges. I reported the theft of my identity to the federal trade comission and I also have enclosed copies of the federal tray, comission identity, theft, affidavit. Please delete these Items as soon as possible.
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. 
We've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft Report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft Report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$24000.00}
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX, I did a wire out of my XXXX account Monday XX/XX/XXXX for a client, XXXXXXXX XXXX. The money was wired to my client who banks @ Chase. The amount was {$170000.00}. 

I verified the account number and am 100 % confidant I provided all correct information. 

I am 100 % confidant there is no fraud. 

It's Thursday, my client does not have the funds yet. I got Federal ref. number from my bank XXXX - I initiated a wire trace on Tuesday XX/XX/XXXX with my bank, who, as of today, XX/XX/XXXX, has not provided an update. 

I am sure XXXX is waiting to hear from Chase to see where the funds are. But I am not hearing anything and I believe my bank, XXXX, or Chase, or both, are taking a very lackadaisical/cavalier attitude to a missing {$170000.00}.