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

I did an international wire transfer to XXXX XXXX XXXX XXXX XXXX, ( beneficiary ) of XXXX, via my credit union ( BECU-Boeing Employees CU ) on XX/XX/XXXX for an upcoming XXXX  XXXX in XXXX and XXXX this XX/XX/XXXX. I was told by BECU that funds would be credited to the beneficiary no later than XX/XX/XXXX. Transferred amount of {$5600.00} was for covering the transportation and accommodation fees for the 10 day trek ( XXXX to XXXX and back for my wife and I ). 

The XXXX XXXX has yet to receive the money transferred. I called BECU around XX/XX/XXXX and was told that I could file a wire trace on or after XX/XX/XXXX, which I did. I did not hear from BECU on the status so I went to a local branch ( XXXX ) on XX/XX/XXXXto talk to a customer service specialist and requested for retrieval of funds since they did not seem to be able to trace where the wire transferred funds appear to be. The specialist told me that the retrieved funds should be transferred back into my account within 24-48 hours. 96 hours have passed and still no sign of the funds being retrieved back into my account. I called the customer service department and was told that BECU can do nothing since the beneficiarys bank ( XXXX XXXX XXXXXXXX XXXX ) had not responded to their request for retrieval of funds. The customer service specialist would not let me talk to their wire transfer department personnel even though I informed him that I wanted to know why they do not seem to know the where abouts of the funds. I told him I had spent quite a lot of money for travel to XXXX and if the XXXX XXXX doesnt have the XXXX fees delivered before the start of the XXXX, my wife and I will not be able to go on the XXXX. He just refused to connect me to the wire transfer department saying that they do not interact with customers. This was patently false statement as I had talked to them a couple of times while checking on the status of my wire transfer. 

I here by request CFPB to look into this lack of response and negligence on part of BECU in tracing and retrieval of my funds. I will greatly appreciate your help in an expeditious resolution of this matter. 

XXXX XXXX XXXX XXXX - cell XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2.

# # # Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The following inquiries were made without my authorization : Unauthorized Inquiries : XXXX XXXX XXXX ( Inquiry Date : XX/XX/XXXX ), XXXX XXXX XXXX ( Inquiry Date : XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( Inquiry Date : XX/XX/XXXX ) These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. 
# # # Inaccurate Collection Accounts : In addition to unauthorized inquiries, there are several collection accounts on my credit report that are inaccurately reported. Under 15 U.S.C. 1681s-2 ( b ), furnishers of information are required to ensure the accuracy of the information provided. However, these collection accounts have been paid in full or are inaccurately reported and are damaging to my credit : Fraudulent Accounts in Collection : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX  Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXXDespite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me.

I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ).

This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint against TransUnion for its failure to comply with the Fair Credit Reporting Act ( FCRA ) regarding inaccurate information reported on my credit history. The account in question is associated with XXXX  XXXX XXXX ( partial account number : XXXX ). The reporting of this account contains multiple errors that violate my rights under the FCRA, and I demand its immediate removal from my credit report.

Specific Issues with the Account 1. Incomplete Payment History Reporting : The payment history for this account is entirely blank. This incomplete r
eporting fails to meet the standards of accuracy and completeness required under Section 607 ( b ) of the FCRA.

2. Inaccurate Information : The account is marked as " Derogatory '' by TransUnion, while other credit bureaus list different statuses. This discrepancy indicates a lack of proper verification and accuracy in reporting. 

XXXX. Date Inconsistencies : The date of the last activity reported by TransUnion does not match records maintained by other bureaus, which violates the obligation to maintain accurate and consistent records.

Violations of the Fair Credit Reporting Act 1. Section 607 ( b ) : Requires credit reporting agencies to ensure maximum possible accuracy of the information included in consumer credit reports.

2. Section 623 ( a ) : Obliges information providers, such as XXXX XXXX XXXX, to ensure the accuracy of the data they report to credit bureaus. 

3. Section 611 ( a ) : Mandates credit reporting agencies to conduct a reasonable investigation upon receiving a consumer dispute. The fact that these inconsistencies persist despite previous disputes demonstrates that TransUnion has failed to comply with this requirement.
Product: Bank account or service

I filled a fraud with the FTC a few months back about I fraud account opened in my name with USAA. I sent out letters to them but have not received anything back from them. I called them and all they did was update my personal info so whoever could n't use the account which has a negative balance. They said I 'm responsible but I do n't see how.
Product: Credit reporting, credit repair services, or other personal consumer reports

hey hows it going i have reviewed my credit report and, Ive noticed certain accounts where no reporting accurately. I was informed by the credit bureaus that the information was accurate. but that would be incorrect. Below ive left and attach files where you can see that the information is not reporting accurately XXXX XXXX, XXXX XXXX ( Original Creditor : 06 XXXX XXXX XXXXXXXX XXXX ). XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. The information on these account are not accurate. EVenb after the bureaus stated they were validated
Product: Mortgage

have tried over and over to modify my loan SPS hires a real estate to blow up the value of my home I'm always worried about a foreclosure this home is my homestead and valued low
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has failed to send dispute results and is reporting the following items inaccurately ( see below ). Many of the accounts are duplicated as collections. This violates the FCRA. 

ACCOUNTS XXXX XXXX XXXX not mine XXXX XXXX  XXXX not mine XXXX XXXX  XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX  XXXX not mine XXXX XXXX  XXXX not mine XXXX XXXX  XXXX not mine XXXX XXXX XXXX never late XXXX XXXXXXXX XXXX XXXX not mine XXXX XXXX  XXXX not mine XXXX  XXXX XXXX XXXX XXXX {$1800.00} not mine XXXX XXXX XXXX XXXX {$1300.00} not mine XXXX XXXX XXXX XXXX {$1300.00} not mine XXXX XXXX XXXX {$420.00} not mine
Product: Debt collection

XXXX XXXX XXXX XXXX has kept debt collection account on record for years. I've requested receipt to validate account is DISMISSED and should've been deleted according to judges orders and no reprecussions should be held against me, the consumer. 
FCRA 623 ( a ) ( 1 ) ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. 

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$15000.00}, {$10000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

2. XXXX/XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Agency is using my copyrighted name to report derogatory information on their reports. I have sent the company a copyright notice along with a notice to remove derogatory information. Should the information not be removed, the company will receive a copyright infringement notice ( {$500000.00} ) and be put on public record for fraud. The agency in question never received consent from me to report my name, my information or anything from a third party in my name. The agency in question created a " contract '' unwillingly without my consent. No full disclosure was given to the agency in question as to what is being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the company multiple times on why my balance hasn't been updated. They claimed that they report the balance on a monthly basis but the same balance has been reported for months. I even tried disputing the balance as well and no changes where made. Im not sure if im doing something wrong but I dont feel like it should still reflect that I have $ XXXX in student loans when the balance is only about $ XXXX which is a big difference. I provided a file of all the payments that were made leading getting to what the balance is almost at as the 3rd file provides the most up to date balance as of XX/XX/.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX is reporting multiple lates on a current account with the credit limit of {$500.00}. They have reported to the credit bureaus late payments in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and has not supplied any proof to me. They is no proof of documents from the creditor or the credit bureaus. I have yet to hear back from the credit bureaus after requesting a REINVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation.
Product: Debt collection

Account Control Technologies ( ACT ) contacted me several months ago in reference to my student loan debt via telephone. I repeatedly asked during the phone call to be sent information detailing the acquisition of control over this debt, and was repeatedly told that they could n't send me any information, that it was up to me to contact the XXXX. My tax refund was recently seized by ACT, and when I contacted the XXXX I was told that they could n't give me information about the debt, and that ACT was the only XXXX to speak with. I was told that this payment was made to them almost a week ago, and I have received no paperwork from any agency of any kind ( public or private, state or federal ) relating to the seizure of my entire federal income tax return. I need to know how I can rectify this situation that is rapidly spiraling out of control.
Product: Debt collection

TransUnion LLC XXXXXXXX XXXX XXXX  XXXX, PA XXXX Subject : Dispute of Inaccurate Information on Credit Report XXXX XXXX XXXX Dear Sir/Madam , I am writing to dispute inaccurate information on my credit report regarding an account with XXXX XXXX XXXX XXXX Upon reviewing my report, I noticed that it incorrectly reflects an outstanding balance. 

I have received a 1099-C Cancellation of Debt from XXXX XXXX XXXX XXXX which indicates that the debt has been canceled, and the balance should be reported as XXXX. I have enclosed a copy of this document for your review. 

The presence of an outstanding balance on my credit report is inaccurate and is negatively affecting my credit score. I kindly request that you investigate this matter and update my credit report to reflect the correct status of my account with XXXX XXXX XXXX, showing a balance of XXXX. 

Thank you for your prompt attention to this dispute. I look forward to your confirmation of the resolution and an updated copy of my credit report reflecting this correction. 

Sincerely, XXXX XXXX XXXX [ Enclosures : Copy of 1099-C Cancellation of Debt ]
Product: Credit card or prepaid card

I have contacted this company numerous times regarding my account. The company is reporting my account late 30 days in XX/XX/XXXX when they had an issue with their payments systems. The company is also reporting me late 60 days when the company failed to updated my address and I did n't receive statements I have tried everything to make the company make accurate statements to the bureaus and fix my account but they just wo n't comply with the fair credit reporting act. I have filed legal proceedings against the company and hopes that we can resolve this matter. I 'm out of money because of the companies unwillingness to correct errors. Customers should n't have to take this route because of the companies unlawful behavior.
Product: Credit card

On XX/XX/year>, I notified Wells Fargo immediately upon noticing XXXX fraudulent charges on my credit card ( seems like a same charge made twice a row by the same merchant that I have never authorized to charge my card and that I have never done business with and that I have never received anything from ). These notices fall under reference numbers XXXX and XXXX. However, on XX/XX/XXXX I received a letter ( dated XX/XX/XXXX ) that these charges are similar to my usual charges and that for this reason Wells Fargo reversed the fraudulent charges and rebilled my account. There must be an error on Wells Fargo 's end since these XXXX charges are truly unauthorized. I do not recognize the merchant. I have not received anything from this merchant. I have not given the card details to this merchant. I have not authorized this merchant to charge the credit card for anything. Furthermore, regarding my usual spending patterns, I have never charged the card for purchases this high and I definitely have never charged the card past its credit limit. Frankly, I do not even understand why Wells Fargo let the charges through given that they significantly exceed the credit line on my account.
Product: Money transfer, virtual currency, or money service

Zelle information was send along with fake Zelle emails and I sent money and when I found out it was fraud they didnt refund my money even though it was never stated I would lose my money
Product: Credit reporting or other personal consumer reports

I am writing to complaint to PNC BANK, N.A about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XX/XX/XXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XX/XX/year>. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Debt collection

I've received notification from All Tran Financial on XX/XX/19 in reference to an XXXX XXXX account in the amount of {$1000.00}.
Product: Credit card or prepaid card

I purchased furniture on XX/XX/2020, paid down the debt to {$500.00}. I was charged XXXX in interest for not paying the account In full by x amount of time.
Product: Debt collection

I negative item was placed on my credit report without my knowledge which according to the FCRA is illegal without my knowledge and having it listed as an open account which is also illegal according to US Code 1681 section 7 gives me the right to dispute inaccurate information. They could not provide me proof that the debt was validated therefore I want this deleted immediately off my XXXX credit report and all other credit reports such as XXXX as well.
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 items 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 is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/2021 XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$9600.00} XXXX XXXX XX/XX/ 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX RE : UNAUTHORIZED HARD INQUIRIES Inquiry Name : XXXX  Inquiry XXXX : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX Inquiry Name : XXXX XXXX XXXX, XXXX Inquiry Date : XXXX XXXX, XXXX Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive identified mistakes in my credit report, particularly regarding late payments, which dont align with my payment habits. Please rectify these errors.
Product: Credit reporting

I have attached documents and a written explanation to have negative information removed from my credit record
Product: Checking or savings account

On XX/XX/, and on multiple previous occasions, Chase Fraud department has blocked outgoing transfers from my checking account ending in XXXX to XXXX XXXX. Chase representatives have given me multiple, inconsistent reasons for blocking my transfers. These include they can not verify my XXXX XXXX  account, then can not verify that account without my permission, that the transfer amount is suspicious, etc. They refuse to allow my transfer to occur on this occasion, and subsequently Chase removed the XXXX XXXX  account from my external accounts list online. This is after the representative told me to wait 15 minutes, and that the block on the account would be removed. I have spent at least six hours with Chase dealing specifically with them blocking access to my funds, and this is costing me daily interest at a rate of 5.3 % APY for every day access is blocked.
Product: Credit reporting or other personal consumer reports

These items have been paid in full and are reporting to my credit report when they are supposed to be permanently deleted and removed from my credit report. 

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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX. ) XXXX XXXX XXXX XXXX ACCT # XXXX XXXX. ) XXXX XXXX XXXX # XXXX XXXX. ) XXXX XXXX ACCT # XXXX XXXX. ) XXXX XXXX ACCT # XXXX XXXX. ) XXXX XXXX XXXX XXXX ACCT # XXXX XXXX. ) XXXX XXXX ACCT # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect to include their verbal agreement to remove these items. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

I am a victim of the inquiry issue I have called and called their customer service would not help and take care of the negative inquiries reporting to My credit report here 's a list of things that I want removed!! 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX