23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

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 states a consumer reporting agency can not furnish without my written consent 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


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

XX/XX/2022 XXXX XXXX reported a hard inquiry on my credit Profile I did not approve of this or know of even speaking with them
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I sent an international wire transfer of {$9900.00} USD from XXXX to my Wells Fargo account in America. The first 3 digits of the account number were missing in the initial transmission so the funds ( {$9800.00} ) inadvertently went into another Wells Fargo customers account, even though the name and account number did not match. On XX/XX/2022, my remittance bank ( XXXX ) submitted an amendment to correct the account number. And then on XX/XX/2022, the remittance bank submitted a recall of the funds. 

I went to Wells Fargo on XX/XX/2022 and a complaint was submitted through banker A. Banker A said she can not directly call the customer who had my funds, but her bank manager could. I went to Wells Fargo 2-3 days later, either on XX/XX/XXXX or XXXX, 2022 and was told by the bank manager he can not take any action or do anything to assist me. The same day I visited the bank manager, the incorrect recipient transferred the funds into another account. I suspect communication took place between the bank manager and the incorrect recipient without any follow-up or without my knowledge. The funds were untouched for over a month until I visited the branch manager. I visited another Wells Fargo Branch location on XX/XX/XXXX, where Banker C followed up on the recall. However, since the recall was submitted on XX/XX/2022, Wells Fargo has made the required amount of attempts to the incorrect recipient and closed my case.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple XXXXt fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits.
Product: Debt collection

Received a phone call from this number and they used a local number and they are based out of Pennsylvania. So immediately, they start off with deception practices. They man that called stated the debt was sold to them and that they basically were calling to collect on said bill. I have provided net credit with a POA from the payday loan debt company used to pay them through along with a police report of identity theft showing that the company I signed the POA was a scam. They took over {$3500.00} from me and stated they paid XXXX. They also sent documentation that XXXX agreed to the payment amount on the POA. When I contacted XXXX, they stated this was indeed not from them along with the payoff letter I received. I filed a police report and submitted that as well. In accordance with the Fair Credit Reporting act NCB Management Services has violated my rights15 U.S.C 1681b ( a ) ( 2 ) [ 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 data of an account without my written instructions. The company is falsely accusing me of owing them {$6200.00} for a {$2400.00} loan that has been paid off and XXXX refuses to remove it from my credit report. They are in direct violation to 15 U.S.C 1692 C ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. They may not contact me further because this debt has been pain in full.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally file a complaint regarding an error I discovered in my credit report. I have reviewed my credit report and found inaccurate information that I believe needs to be corrected immediately. 

Incorrect Information : XXXX. All XXXX XXXX Account balance are all inaacurate. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX balance XXXX. XXXX- No knowledge in this account XXXX. BridgeCrest- Disputed several times. Fully paid since XX/XX/year> but still reporting late on my credit. 

I request that you investigate and correct this error promptly. Please update my credit report to accurately reflect the correct information. I am including all my supporting documents.
Product: Credit card or prepaid card

This all began in XX/XX/XXXX. My husband went to XXXX XXXX. They referred him to another of their offices. They scheduled my husband for a root canal. That was supposed to happen on XX/XX/XXXX. The clerk in the dentist office charged him for the office visit & the copay & then they did NOT even see him. I disputed it with XXXX XXXX. They assured me they issued a full refund. That refund has never been processed. After the 15 day waiting period that Barclays requires you to wait for a dispute, I filed a chargeback. Apparently Barclays did not read the complaint or process it within the allowed time for disputes. Today, XX/XX/XXXX, they claim the charge is too old & can not be corrected. Its not my fault they did not properly process the dispute. The merchant ; XXXX XXXX claimed they refunded it. Barclays says they cant refund it if the merchant is doing it. Unfortunately its been 6 months since they promised a refund. Barclays has failed to properly credit my account. I sent them printouts from the BBB complaint that clearly shows the merchant says they were going to refund us. The bank should be able to see that the charge of {$79.00} was NEVER refunded as promised. I contacted Barclays again & was told they closed the case because too much time has elapsed & I did not send them the proof. Ive sent it to them multiple times, they just fail to process it. I have requested a manager to call me back, multiple times but they never do. Today, they submitted another request. They say give them 7-10 days! Im tired of the run around. The company promised a refund. I have proof of it. Unfortunately, Barclays has failed to process my dispute in a timely manner. All I want is for them to credit my account as promised.
Product: Credit reporting or other personal consumer reports

XXXX Hope you good Im reachin out to tell you I dispute the debt under the Fair Debt Collection Practices Act No need for more proof or documents Im just lettin you know I aint with it If you need to reach me do it by email only Monday to Friday from XXXX to XXXX east coast time Anything else like live calls voicemails or sendin mail through USPS XXXX or XXXX is just too much of a hassle Thanks for XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the fair credit reporting act XXXX XXXX # XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A Section : It also states a consumer reporting agency can not Furnish an account without my written instructions.
Product: Checking or savings account

My name is XXXX XXXX, Address XXXX XXXXXXXX XXXX XXXX  XXXX, NY XXXX # XXXX. DOB XX/XX/XXXX I disputed charges for my chime checking account for {$280.00}. Chime denied my dispute same day, Reason : Error. 
For claim # XXXX I emailed chime XXXX XXXX that I needed to retract the information I told chime XXXX, because at the time when I called disputing charges, tues XX/XX/XXXX, I didnt realized my CREDIT CARDS WERE STOLEN! My chime spending account card WAS stolen. once I retracted my steps Tuesday, XX/XX/XXXX I then realized MY CHIME CHECKING CARD AND CHIME CRED BUILDER WAS STOLEN. I just went on chime app and deactivated credit builder card. Since chime was so eager to deny my dispute ( the same day ) I need to Dispute charges XX/XX/XXXX for {$83.00}. 
I have a Chime account With A Credit builder account/card and checking account, where there was unauthorized charges starting XXXX XXXX XXXX # XXXX, routing # XXXX. I actually realized on my break Tuesday XX/XX/XXXX and called chime reporting charges for {$280.00}. Chime XXXX started a ticket. I realized when I didnt have my cards in my wallet and honestly couldnt give him a answer to what happened! Later that day I realized my Chime Checking Card WAS STOLEN And My Chime Credit Builder Card along with my other cards. 
Chime emailed me the SAME DAY XXXX, DENYING MY DISPUTE DUE TO ERROR! I dont have that money that was spent. Now Im in the hole. 
Now since Chime was so eager to deny dispute I need to Dispute charges from my XXXX XXXX XXXX from XX/XX/XXXX for {$83.00}. It would probably be good idea to re-open my dispute AND ADD THE CHARGES FROM CREDIT BUILDER CARD. I informed chime I need a new ticket for ( Spending/checking acct. ) reopened and both disputes together. Unauthorized charges for {$83.00} & $ XXXX $ XXXXTOTAL Chime offers Visa Zero Liability Policy AND Deposits are FDIC insured up to {$250000.00} through The XXXXXXXX XXXX  or XXXX XXXX  XXXX XXXX XXXX XXXX FDIC. And we work hard to protect your information for all members!!!!!! I sent a pic for new charges I need to dispute. 
I would so appreciate it if you could help me with these charges. Im barely making end meat now. 

Thank you for your time XXXX XXXX On XX/XX/XXXX, at XXXX PM, Chime Member Services XXXX wrote : XXXX
Product: Mortgage

I fear this will be handled the same inept bureacratic way as before. there are a number of issues unresolved please note i am getting a lawyer and have noticed Dept of treasury. if you respond with a bunch of photocopies of previous letters which still do not address the issue i will throw them out. I am enraged. In addition to medical emergency i have just been XXXX. 
i am trying to catch up on payments. and will. Meantime i had requested someone other than XXXX XXXX to work with and this is something i will not give up. XXXX XXXX has yelled at me in the past and has not been professional. I will not do my loan modification with him and i resent trying to be forced. it is wrong. I have rights and so long as you are doing this and refusing it i am being damaged. I am tired of the red tape spinning me out of control and working against our shared stated goals. 
I am in the process of deciding on an attorney. I do not want the bank to be held liable for the stress its causing me and worsening my condition. I want real help not a dumb answer i can not spend my time reading. Other unresolved issues include late fees i will not pay and can not and should not be billed due to this and more, but i need an escrow stmt too.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX OF XXXX XXXX Balance : {$19000.00} XXXX  XXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 

I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 



XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/ Please remove it from my credit report.

2. 15 US-CODE 16921 XXXX XXXX XXXX XXXX  Account Number : XXXX Delete this account.
Product: Debt collection

XXXX XXXX XXXX bought my debt from Capital One in XXXX. The total balance owed to Capital One was XXXX as of XX/XX/XXXX. That was quoted to me by email from Capital One. I then made 7 payments after that email for XXXX each. Covid happened and I was the sole provider so I was unable to pay Capital One after XX/XX/XXXX. I only owed Capital One {$560.00} when I stopped paying them. XXXX is now attempting to collect {$2200.00} from me. I contacted XXXX and informed them the balance is incorrect. This is a violation of the Fair Debt Collection Practices Act.
Product: Debt collection

( Additional documentation available ) My mortgage was transferred from XXXX to NewRez XX/XX/2019. The last statement I received from XXXX showed {$530.00} was due by XX/XX/2019. I also received instructions from XXXX stating the amount owed was to be paid to NewRez after XX/XX/2019. 

The first statement from NewRez showed {$570.00} was due by XX/XX/2019. The amount included a fee of {$39.00} labeled Overdue Payment. No late fees were listed on the statement from XXXX. 

On XX/XX/2019, I phoned NewRez. I spoke with XXXX who informed me the charge originated from XXXX. On XX/XX/2019, I phoned XXXX. I spoke with XXXX ( ext. XXXX ) who confirmed my payments were on time. XXXX stated the fee was for something else then said it was for something entirely different by the end of the call. I informed XXXX I was given no notice or anything in writing stating I owe additional fees. 

On XX/XX/2019, I mailed a certified letter to NewRez requesting the late fee be removed from my account. I included a copy of the last statement from XXXX proving no late fee was due. I have not received a response at the time this complaint is being submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXXXXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Name : XXXX, XXXX, XXXX, XXXXXXXX XXXX Employer : XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Collections : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX  XXXX Collections : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Employers : XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXXXXXX XXXX AZ XXXX Collections : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DP OF EDUC XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX  XXXX DP OF EDUC XXXX DP OF EDUC XXXX DP OF EDUC XXXX DP OF EDUC XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the same collection account with all 3 bureaus several times. I have provided evidence that the information is incorrect. They continue to report a debt that is 6 years old as 2 years old. The debt has been sold several times from XX/XX/XXXX until XX/XX/XXXX. The amount of te debt haas changed 3 times it was {$580.00}, XXXX, and XXXX. The debt is not from a credit card company it is from XXXX. Therefore the amount should have remained the same being there is not any interest being charged. I have explained this to them and they continue to illegally report incorrect information. It seems no matter what debt collection agencies does the credit bureaus take their side right or wrong. They never take the side of the consumer. I refuse to allow them to report the same old debt for another 5 years. 
I have copies of my credit reports to verify that I am telling the truth. I also have a letter from the very first collection agency showing the original date of collection and collection amount. I submitted it to all of the credit bureaus and they totally ignored it when I disputed the debt XX/XX/XXXX and XX/XX/XXXX. 
I also contacted the debt collector XXXX XXXX XXXX asking for the validity of the debt from the original creditor XXXX and I have yet to hear or receive anything from them. 
I called in to speak to a customer service rep at Experian and she disconnected the call very unprofessional.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a business  account that was opened in XXXX, closed in XXXX, then erroneously began reporting on my credit as of XXXX even though I am not the business owner for this account nor have any responsibility. Ive requested it be removed from my credit report numerous times to XXXX  and American Express. Neither has provided any justification why this account is being reported on my credit report, however they have not removed the account either. Please have XXXX and American Express to appropriately remove this account from my credit report immediately as this is currently in violation of my rights per Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Debt collection

Company Midland Credit Management sent a dated letter XX/XX/2021 given me until XX/XX/2021 to pay them {$1800.00}, or they will file a lawsuit against me. I do not owe this bill or have I ever authorize to do any business with this company. I was not aware of this company until I received the letter on XX/XX/2021, this company is not reported on any of the three credit bureau on my annual credit report. This is not my account and I do not owe this bill or this company.. I recently became aware of my personal information  was compromised in the XXXX  breach and recently file a fraud report with XXXX  bureaus reporting Fraud on my credit report. My personal information was also on the dark web. Please investigate any original documents with this company Midland Credit Management, and remove from my credit report. I do not recognized this company or a this $ {$1800.00} bill they are threading to file a lawsuit against me.