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

I tried to dispute this with the Credit bureaus XX/XX/year> and it came back Verified No Change. Due to the recent lawsuit filed against Experian and Equifax on XXXX XXXX. I insist you conduct an investigation as you are required by the FCRA Law.

I will explicitly say do not accept the findings of the furnishers who do not provide thorough results of their investigation. Which I ask that you provide me in the details via mail and not through your online portal. These items have the wrong amounts, last date reported etc. Also the public record is outdated. As you know it all must be COMPLETELY ACCURATE on the credit report.

Please delete the disputed information within the required timeline of 30 days as set forth by the FCRA which is federal law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have attached a report sent to Experian to show it was recently disputed XXXX
Product: Money transfer, virtual currency, or money service

XXXX XXXX ] [ XXXX trl ] [ XXXX XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX Phone : XXXX ] Dear Bank Managers I am writing regarding a recent international wire transfer from a bank in XXXX that was converted to XXXX dollars before being deposited into my account ( XXXX ) at XXXX XXXX lack of transparency and communication regarding the exchange rate applied has led to an unexpected loss of approximately {$2200.00}, which I find quite alarming and unsatisfactory. 
The original amount, [ XXXX XXXX XXXX ] XXXX, was sent on [ XXXX ]. However, the conversion to [ {$98000.00} ] dollars upon receipt was not at a rate that I had been made aware of beforehand, nor does it reflect the rates Ive observed in the market. 
I had expected that the amount would be transferred in XXXXXXXX XXXX allowing me the option to review the exchange rate and decide when to convert the currency. The transaction was processed without providing me with any rate information or options, resulting in a significant and unanticipated financial loss. 


Given these concerns, I am requesting the following : XXXX. A detailed explanation of the exchange rate used for my transaction. 
XXXX. A clear breakdown of all associated fees and charges. 
XXXX. An explanation as to why I was not informed of the exchange rate prior to the conversion. 
XXXX. The banks policy regarding customer consent and notification of conversion rates for international wire transfers. 
I believe that as a customer, I should have full visibility into the exchange rates that affect my transactions, especially when they result in such substantial financial discrepancies. I would like to discuss this matter with you in person to better understand the banks processes and to find a satisfactory resolution. 
Please find attached all relevant transaction details for your review. I trust that [ Bank Name ] values its customers and will address this issue with the seriousness it deserves. 
Thank you for your prompt attention to this matter. I look forward to your response and to meeting with you to discuss this further. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquiries on my credit report earlier today, and Im unsure how they got there. My routine check showed discrepancies that appeared out of nowhere. I tried refreshing my browser to see if it was a technical error, but the inquiries were still there. Please review the documents Ive sent without delay so this issue can be resolved and I can rest easy.
Product: Credit reporting or other personal consumer reports

upon viewing my credit report i notice that there was an auto loan established in my name with santander consumer usa, this account was established without my consent and is the resault of fraud and id theft, i made several attempts to have this fraudulent account removed from my credit report todate, santander has not responded to my dispute request again i have not given anyone permission to establish this account without my permission this information is inaccurate and is in violation of the FAIR CREDIT REPORTING ACT 15 USS 168i
Product: Mortgage

The company had send me some papers through XXXX and I had got them notarized and signed and send them back and they said that they never had received anything but previous they sent me some papers before and I sent them and they actually had got them back so theyre saying they never received my papers
Product: Money transfer, virtual currency, or money service

I used a wire transfer feature from my bank " XXXX XXXX '' to " Jp Morgan Chase Bank '' in the amount of {$15000.00} on XXXX. The funds did not arrive in the specified account. I have been trying to recall the wire transfer since XXXX. My bank " XXXX XXXX '' states that they are waiting for a response from Jp Morgan Chase Bank. As of XXXX Jp Morgan Chase Bank has not responded in anyway to XXXX XXXX.
Product: Debt collection

I've called Ally Auto multiple times to tell them to contact my mother, XXXX XXXX, about the account, and told them I give 100 % consent to her decisions on the account. Their recording states this is a recorded line and they keep telling me that the order of the names don't matter on the account since we are both co owners of the car, however they primarily contact me for everything. She drives the car, she pays on the car and she has 100 % physical possession of the car, but when my XXXX  XXXX  on her and left for XXXX XXXX she obviously fell on hard times. I keep getting text messages and phone calls from multiple phone numbers, some phone numbers show up on XXXX as scams, so I'm upset that Ally is giving out my information to third parties who keep calling me and do not leave voice mails. I give my mother 100 % consent to do what she wants with the car ( XXXX XXXXXXXX ), but they wanted to 3 way call and refuse to work with her. She works from XXXX to XXXX and I work XXXX to XXXX, our lunch hours are different, we can not physically 3 way call. It is entirely unprofessional to ask for 3 way call if they are on a recorded the phone line where I've identified myself and proven who I am when I call while I'm free. She even called them in her free time and asked to have full permission, yet they refused. At this point my mother is aware she is behind on payments and just wants to surrender the vehicle, but Ally keeps making this harder than it should.
Product: Credit card or prepaid card

This bank lost my {$4000.00} Cashier 's Check that I mailed to their physical address via XXXX Registered Mail on XX/XX/2023, received on XX/XX/2023 and signed for by a XXXX XXXX on XX/XX/2023 at XXXX. This bank has absolutely no clue what happened to my check. I opened a case. I asked for a full investigation. I asked this bank to ask XXXX XXXX what he did with my check after he signed for it. This bank claims they fully investigated this matter and closed my case. The {$4000.00} is still owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my TransUnion credit report, and I noticed some late payments posted on my credit report : XXXX. XXXX BANK - ACCOUNT ENDS IN XXXX, credit Limit {$9700.00}. This is reported as late, delete all late payments. You also are reporting this account balance in error. See attached proof of XXXX balance. This is an error of accuracy per : Fair Credit Reporting Act 15USC 1681e ( B ) Accuracy of report 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. 

XXXX. XXXX XXXX - ACCOUNT ENDS IN XXXX his is reported as late, delete all late payments. You also are reporting this account balance in error. See attached proof of XXXX balance. 

XXXX. XXXX XXXX XXXX - ACCOUNT ENDS IN XXXX his is reported as late, delete all late payments. You also are reporting this account balance in error. See attached proof of XXXX balance. 

XXXX. XXXX XXXX XXXX ( auto loan ) - ACCOUNT ENDS IN - XXXX, delete all late payments. 

XXXX. XXXX XXXX XXXX XXXX - Listed under closed accounts - XX/XX/2019 marked as late. Delete. I was NEVER LATE! 

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( XXXX ) EXCLUSIONS. Except as provided in paragraph ( XXXX ), the term consumer report does not include Subject to section 1681s-3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$2000.00} per violation for : Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations. 
XXXX. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] XXXX. Fair Credit Reporting Act 15USC 1681e ( B ) Accuracy of report 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor Name : XXXX XXXX Date : XXXX2018 I recently got my report and saw that this company ran my report XXXX XXXX and I have no idea what this coming from. I would like this to please be removed because it is really hurting my credit. Also, I would like original documentation of what this was for and deleted.
Product: Debt collection

Portfolio Recovery called about " a '' XXXX XXXX, about a XXXX XXXX account with the last XXXX digits of the social of XXXX. Never had an account w/o a middle initial, never had a XXXX XXXX account, incorrect last XXXX digits of the social
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander Consumer Usa has been reporting inaccurate information on my report for years. They take innocent people falsify income information to get you approved even with horrible credit scores and have you pay out the Roof! interest rates. 33 States are Litigation with this company. I feel based on the facts I should be eligible. I'm simply asking to investigate my auto history from santander and ask for method of verification. I got tricked into paying my account although ; I still disagree with everything they claim to be as negative or charged off. I got rear ended in a car accident none of this should be on my account. Thousands of customers will tell you how much of a fraud company santander is.I would like to file a complaint for me being a victim of Deception and Predatory lending practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the Experian and XXXX credit bureaus XX/XX/XXXX, 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 Equifax 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 item 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 item 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, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ).

I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$450.00}
Product: Credit reporting or other personal consumer reports

I tried to dispute personal information online through my Experian portal with no success.
Product: Mortgage

I have my first Mortgage with US Bank they have reported to the credit bureu that in the last 14 months I have been 30 days late XXXX times, 60 days late XXXX, times and 90 days late XXXX times. This is not true, and I am in the process of trying to refiance my home and this is when I found out, this is not the first problem we have had with US Bank they tried to take my home for XXXX missed payment about three years ago but in the end they did a uneccessay loan modification and when we received the final paperwork it was a 40 year loan on a house I have owned since XXXX 1992, we went to the Attorney Generals office but recieved no help so we had no choice but to go with it, I have all the paperwork for that and now this. I printed out my bank online payment report for them and I have never been 30,60 or 90 days late. I called US Bank today and they agree with me and told me I need to go to the credit source that reported it and they will get back with US Bank and that will take care of it. I have contractors ready to do work on my home now and I can still get the XXXX but my interest rate will be higher. This is not the first time I have had problems with US Bank, they tried to take my home three years ago for XXXX missed payment when my son was very sick and I missed it on accident but instead they modified the loan which was not necessary and gave me a 40 year loan without disclosing that before we agreed. I went to the Attorney General 's office but received no help. I need my credit corrected today but they want me to go through this long process for something they caused.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ), XXXX  XXXX XXXX - Partial Account # XXXX, XXXX XXXX XXXX XXXX XXXX Partial Account # XXXX XXXX XXXX XXXX  - Partial Account # XXXX XXXX XXXX XXXX- Partial Account # XXXX has violated my rights in more ways then one. 15 U.S.C. 1681 section 602 A States I have a right to privacy. 15 U.S.C. 1681 section 604 A Sec 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 1681i states that XXXX, Equifax XXXX XXXX XXXX shall free of charge, conduct a reasonable re-investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, OR delete the item from the 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 dispute from the consumer or reseller.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened Account name XXXX  XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX These accounts have resulted in several fraudulent hard inquiries XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
What would be a fair resolution to this issue?
Product: Bank account or service

CFPB Consumer Financial Protection Bureau Dear Officer : Good evening. 
My BoA account XXXX had wire form XXXX into my account on XX/XX/2015 XXXX, but BoA just noticed me XXXX kept into my account, they ate XXXX dollars. 
XX/XX/2015 charged me wire transfer fee XXXX, and due to I am an investing account so refund me XXXX transfer fee.XXXX. so still ate me my wire in capital XXXX. 
I had several time asked the branch officer XXXX XXXX : he said : ususally like that.??? 
I do n't agreed and online message to ask return my wire capital XXXX, they always no return to me. 
see my copy and attached below : XXXX, on XXXX statment XX/XX/2015 XXXX XXXX, and transfer fee:XXXX XXXX. 
B.BoA.statment just book me XXXX only. 
Please help me get back my missing capital XXXX.and correct their bad behavior. 
Thank you! 
XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX. 
XXXXXXXXXXXX
Product: Payday loan, title loan, or personal loan

This is a loan from 3 years ago from Sky Trails Cash that was taken care of and paid off. I completely forgot about this loan and haven't received any call or anything in writing stating I owe anything, then all of a sudden today I get a call from a third party group saying I owe {$590.00} or there will be legal action against me. I don't owe them anything and I don't want them showing up at my house serving me with papers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights 15 USC1681 section 602 states I have the right to privacy. 

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XX/XX/XXXX), you may be liable for your willful non-compliance.
Product: Credit card or prepaid card

I applied and got approved for a new Citi credit card. I never received the physical card in the mail and therefore did not have my full credit card number. Without an entire credit card number, I am unable to set up an online profile to have access to my account information and make payments online. 

A few days ago, I received an email from Citi stating that I have an amount due. I try calling Citi multiple times but was unsuccessful. A voice message indicates that they are experiencing high call volumes, to try again later, and then disconnect. I call at different times of the day and night with no success. 

I am concerned that Citi will keep this going until the amount is past-due and that charge me higher interest rates, unfair late fees, and report me to the credit agencies, thus damage my credit. 

Thank you.
Product: Debt collection

I 'm not sure if this is the same debt that was tried to collect from agency XXXX XXXX XXXX a few months ago I think it is an the debt is not mine it was opened online I sent in paperwork to show that my identity had been stolen as well as proof the account they had deposited the money in was not mine. I have no contract or agreement with XXXX XXXX XXXX or the current owner ( National Credit Adjusters ) of this account I 've requested information with my signature along with any other documents they provided nothing. This account was sold by the original owner cause they could prove this was my account by that being done the original creditor sold the debt to this agency so they forfeited their rights to collect any money from me. They need to remove this from my credit reports right a way an stop selling the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed XXXX XXXX ( Account # XXXX, XXXX ( Account # XXXX ), XXXX XXXX  ( Account # XXXX ), and XXXX XXXX  ( Account # XXXX ) in XXXX of XXXX. When I pulled my new credit report today on XX/XX/XXXX, I see that tis deleted item was now put back on my credit report. You did not notify me within 5 business days that it was put back on my credit report and because of this section 611 violation, the accounts needs to be removed.

I would like to see a new report showing this been deleted. 

XXXX XXXX
Product: Checking or savings account

I reached out several times to Robinhood to reactivate my Spending Account. The most recent response I got from them which I have email stated that I have opportunity to have access.Unfortsmely nothing has changed. All I want is to have full acces.