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

On XX/XX/2019, I went to my local Walmart to pick-up a money-wire of {$750.00}. The counter person confirmed the funds was ordered by sender, however, the store police was restricted to {$500.00}. Their advertising indicated that at the appropriate fee, which I assumed the sender paid, was funds available at any WALMART store. No restrictions in their advertisement or anything. " Money available at any WALMART store in the US & Puerto Rico. Thats what it said.The CFM and/or Field Manager, a XXXX, agree thats what their advertisment says, but they do not have to honor it. He wanted to escort me out the store.I called their money-wire servicing company and they said due to " forgery '' claims at the zipcode location, they were restricted to {$500.00}. He mentiond I could get {$500.00} that day and {$250.00} the next, but the store manager said they can not. Thats hard to believe because another store offered it. So now I learned that I stay in a high-crime forgery area.Also, XXXX advised their policy is not to disclose where you can get your money, I have to call around to see who is unrestricted. The second store I called was restricted as well, but I eventually found one within 3 miles. Living in a metropolitan area where traffic is fercious, 3 miles is like driving 20.I get to that store, all is fine, except a stupid question by the clerk was that if I knew the name of the sender and if I know the sender personally. I had heard enough to know this is very bad on all fronts.In closing, I needed the money and it took a long-time for the sender to send me those funds. Calling the sender back and having to redo it in portions was not an option, especially when the sender paid the fee.I was humilated by their policy, trashing my community, when their written fee service in plain english that said any store for pick up is clearly indicated. I'm glad that it was not a life & death situation, but I can see this happening and things can go real bad pretty quickly.Thank you, XXXX
Product: Credit reporting or other personal consumer reports

I DO NOT REGCONZIE THESE ADDRESSES PLEASE REMOVE THEM THANK YOU XXXX XXXX XXXX XXXX, NJ XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX,XXXX  XXXX WRONG ADDRESS FOR WHERE I CURRENTLY RESIDE )
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy is on this report and needs to be removed immediately. I've sent a letter and still have not heard anything or had this item removed from all credit reports. 

They are in violation of two fair credit reporting act accounts. They have infringed my privacy and they do not have permissible purpose nor did they have my written instruction about this account.
Product: Debt collection

Company hasnt sent or reached out to me the verify the debt, its been well over 5 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit reports there is a closed account with huge amount of missed payments. BEST BUY/CBNA Opened XXXX. XXXX, 2011 Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA XXXX XXXX has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Debt collection

I had an emergency and went to the ER at XXXX XXXX XXXX Hospital I was there for a XXXX hour Paid all the doctors etc that I got bills from.. around XXXX different ones. Only seen XXXX ... Got a bill for over {$2600.00} Plus XXXX in doctor bills ..Started paying {$50.00} dollars a month and requested a Itemized bill. Did not get XXXX ... waited 2 weeks ..requested another ..did not get XXXX ... waited 2 weeks and called and spoke to the hospital told them I needed a Itemized bill. Was told I could not get XXXX due to a new Computer system and that they would send XXXX out asap. continued to pay {$50.00} a month.. Waited XXXX more months and continued to pay the {$50.00} dollars. I stopped receiving bills from the XXXX so I called and asked Why..Again the answer was the computer system was new and not to worry about it and that they would contact me when everything was back to normal ... .Then I receive a letter from Meades & Associated saying I was in collections. They demanded full payment ... I told them what happened and I got will send you a Itemized statement ... but you need to pay Immediately XXXX dollars now .. I refused .. and stop Paying ... I tried to reason with them .... again never got an Itemized bill of what I supposedly owed. From my understanding that They can not bill me without an Itemized bill.. Also I was paying monthly and it should have never went to collections in the first place ... Would you pay if you did not know what you were paying for? They broke the FCRA and should have to remove this collection Immediately. They want to send me an Itemized bill now? No it should have not went to collections.. I paid what I could.
Product: Money transfer, virtual currency, or money service

I sent a Wire money transfer on XXXX to Coinbase Inc. The bank facilitating the money transfer " XXXX XXXX XXXX XXXX XXXX XXXX '' who confirmed they received and forwarded the Money to Coinbase. Coinbase is a cyber-currency Exchange that is overwhelmed and understaffed to handled the volume of money that they are receiving. They have been in possession of my monies every since XXXX and they have not credited my account or returned my monies to this date. You can not talk to anyone over at Coinbase and they are extremely slow to even return emails. I have missed out on huge run ups on the cyber-currency sine XXXX. The whole purpose of the wire was to have it credited INSTANTLY not for it to be in the possession of a company that is not clearly giving me answers or simply returning my money in an expedient manner. Wires are easy to trace and reverse so i see no excuse for this taking OVER 2 Weeks and counting!! See attachment for dates, contact info, and Federal IMAD numbers. There a lots of other people in my same situation there is a message on Coinbase website advising degraded service on Wires denoting a huge number on customers affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX  for a year now with disputes - they have not resolved this they only send a generic message - FTCA guidelines etc - which is false and inaccurate. They have a company on my credit report XXXX XXXX  whom I have called and verified they have a totally different XXXX XXXX with a social XXXX which is totally not my social nor information- this clearly shows fraud but yet they keep saying its mine. This is my fia attention before The Law office working in this files charges against them - When calling this company you can not get through it takes weeks - after getting through they before its my name and similar XXXX but not my social or ID!!! They have failed to provide documents that confirm this is me, signed paperwork required by FTCA. I have nothing but false reporting in my report -
Product: Credit card or prepaid card

I had a Citi Prestige card. I rarely used the card, so when the annual fee of {$450.00} came due in XX/XX/2018, I called Citi to inquire about switching the Prestige card to a free card with no annual fee. Citi said that I could switch to the Preferred card for no fee and could get my roughly XXXX Citi ThankYou reward points transferred from the Prestige card to the Preferred card. Citi closed the Prestige card and sent me a new Preferred card. However, the {$450.00} fee from the Prestige card appeared on my Preferred card balance for XX/XX/2018. I contacted Citi multiple times through several different communication channels asking why the fee was posted to the Preferred card and if I needed to pay it. I specifically mentioned my concern with potential negative credit reporting consequences. Multiple Citi representatives told me that it was fine, the fee would be removed, I didn't need to pay it and there would be no negative credit reporting. Eventually, in XX/XX/2018, the fee was removed. However, Citi is currently reporting that I was 30+ days delinquent in XX/XX/2018. I've followed up with them several times to no avail. In addition, the XXXX reward points -- worth several hundred dollars -- were not transferred to the Preferred card as promised. I would like my credit report fixed and my ThankYou award points restored. 

Note : this is not the first time I have had problems with closed Citi accounts and credit reporting. This appears to be a systemic issue for Citi and their customer service is woefully lacking.
Product: Credit card or prepaid card

A newly opened Chase Credit card is showing in my Credit report. I did not open a new credit account with any company. 

Opened XX/XX/2023 {$69.00} balance {$21000.00} credit limit Contact info : JPMCB CARD SERVICES XXXX XXXX XXXX XXXX, DE XXXX XXXX ( XXXX ) XXXX
Product: Debt collection

This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate and false information consists of a bulk purchase on XXXX and factoring companies on Equifax that was opened XX/XX/year> under the account number # XXXX. This account as result in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. The aforementioned accounts, collections and hard inquiries in question and maintained by you were not opened, made, or initiated by me. All the aforementioned accounts, collections and hard inquiries are the result in identity theft and fraud. I attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud. 
XXXX XXXX has not provided validation information under XXXX CFR XXXX ( b ) ( XXXX ) but yot they placed a collection on your consumer report. 
You have not been given a chance to dispute account according to XXXX CFR XXXX ( c ) ( XXXX ) ( XXXX ) XXXX agency is violating your consumer rights by using false misleadin, misrepresentation and deceptive means. 
Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of XXXX XXXX XXXX ( d ) and 15 USC 1681-S 2 ( XXXX ) ( A )
Product: Debt collection

i have reason to believe you have my information on file i have never received a notice from you, i am requestion a debt validation notice including the price you paid for this account
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Credit reporting or other personal consumer reports

I have incorrect and inaccurate information on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I file ( mail ) a dispute with XXXX & Equifax pretending to XXXX XXXX XXXX  on XX/XX/19 explaining that I was a victim of identity theft ( fraud ). Below is the exact wording in my letters. 

" My personal information was used to obtain or try to obtain credit in my name. Please remove this information from my credit report. I am not asking for you to validate or verify with the following companies, reasoning being they will of course validate or verify the info if my personal info has been compromised. These accounts are fraudulent, I have included a copy of the police report filed. ''
Product: Credit reporting or other personal consumer reports

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments ) is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. 

XXXX XXXX please delete this item XXXX XXXX XXXX please delete this item I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to Provide that proof, or if lacking proof of these payments being late. please update my_ payment history to PAANL status ( Paid As Agreed, Never Late ) according to consumer protection laws
Product: Credit card or prepaid card

Bought vehicle from used car lot was lemon meaning not a good vehicle should have not been selling it from the beginning because it was on XXXX from previous accident learn this after purchasing vehicle went back to speak with owner owner went to agree with me on reimbursement then went back on his word I brought it to my banking institute 's attention and they have an ongoing dispute leaving my account in a negative balance and life in a bind which I don't think is fair but life itself isn't fair but right is right wrong is wrong Bank of America prepaid card services disputes I used my California EDD Bank of America prepaid card to make purchase of vehicle now it's in disputes hands at Bank of America and they are taking their time leaving my account in a negative balance so any and all funds from my unemployment goes towards negative balance
Product: Credit reporting, credit repair services, or other personal consumer reports

EWS clearly states in their attached correspondence with me, that they received my dispute letter in regards to my entire account on XX/XX/2021. It is now XX/XX/2021 and I have not received a report in regards to any investigation. 

XXXX XXXX XXXX xxx xx XXXX Consumer ID : XXXX
Product: Vehicle loan or lease

Hello I had a car loan with wells Fargo for a XXXX XXXX XXXX. The charger me incorrect fees and ended repossessed the car. After the XXXX class action lawsuit they sent a check of {$6.00}. Then in XXXX another check of {$79.00}. And this past XXXX they sent another check of {$38.00}. I never cashed those checks.From the lawsuit every customer is entitled to at least but not limited to {$4000.00}. 
They never give me that money. 
I called on friday XX/XX/XXXX and one lady from the customer service explained to me that it was a wrongful repossession ( you can listen to their recorded call )
Product: Checking or savings account

On XX/XX/2021 I reported fraudulent activity on my chase account to a chase support specialist. I explained there were 3 pending XXXX charges that same day. A {$1000.00}, {$100.00}, {$870.00} to two individuals I have no knowledge of whom they are or who authorized the charges. I was told by a chase specialist they were going to look into my account activity. I was just told due to the charges being authorized on their system there was nothing else they could do and I would not receive any money back. I felt I was not being treated fairly and received no help whatsoever. I have been with Chase for years and Ive been using XXXX for a consecutive year and never came across this issue. Its incredibly terrible how I have to put my money in a bank and feel my money is not in good hands.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX  XXXX credit card I received a denial letter. The reason they stated twice on each one is incorrect. I am uploading the denial letter. The one reason they state is delinquent past or present obligations. There are 3 accounts on my XXXX credit report that do not belong on there. I have disputed these accounts several times. One account XXXX  XXXX XXXX is past the 7 year time barred. The other 2 do not belong on there either. Having this incorrect information is causing me to be denied credit. The other reason they gave is lack of mortgage information. I dont own a house and Im sure there are a number of consumers do not own houses and have a mortgage. I feel this excuse to not issue me a card is inexcusable. I have a 100 percent payment history on all my accounts. After applying for this card dropped my credit score due to the inquiry. I was told I have great approval odds. I am complaining because of the wrong information on my reports is causing me a hardship in obtaining substantial credit.
Product: Debt collection

Received letter from PennXXXX credit stating a request for payment for a transaction I never made with a creditor named XXXX XXXX XXXX for an amount of {$35.00}. From service given XX/XX/year>. ID number XXXX. 
The complaint description is XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I dont want this affecting my credit!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX pulled my Equifax report on XX/XX/XXXX. XXXX XXXX issued a letter on XX/XX/XXXX saying they would remove the inquiry. Equifax was provided a copy of the letter after 30 days went by and the inquiry not being removed. Equifax stated XXXX XXXX XXXX did not file the removal correctly and they can't remove with a copy of the paper letter so I am filing a complaint against both companies.
Product: Credit reporting or other personal consumer reports

I contacted all three credit bureaus to investigate inaccurate accounts on my consumer report. The companies say the dispute accounts are verified as accurate but do nothing to prove how they come to this conclusion.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 section 602 States I have right to privacy.

15 USC 1681 section 604 A Section 2 : it also states a consumer a furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card a open- end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

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 Unauthorized Inquiries : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I became aware of a ding on my credit report while filling out paperwork to refi my home. XXXX XXXX turned me over to XXXX XXXX XXXX for {$1100.00} in unpaid charges. Account under same name, XXXX XXXX but living in XXXX XXXX, NV. I have never lived in XXXX XXXX but have lived at XXXX XXXX XXXX, XXXX XXXX, CA for XXXX years.
Product: Debt collection

-Collection agency continued to report my account to the credit bureau as under " collection '' for unpaid debt. Even though the account is under dispute. 

-The alleged debt that is being collected was disputed several times from multiple collection agency -According to the collection agency, the unpaid debt was with XXXX which was my wireless provider at that time.
Product: Debt collection

i requested a loane in the amount of XXXX. I paid the first several payments, and it was on auto pay. At some point, they stopped receiving my auto pay even though I did not ask them to. And I was not notified that it was in collections. Now I have received a notice from my court from a different company and I was not aware that my dad had been sold or that it was in collections. also at this time of the loan and during the part where they apparently sold it to the collection agency I was on short term and long-term XXXX from a major back XXXX. I have now been notified that I owe {$4400.00} and I never received any communications about this.
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. 
XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX, Account # XXXX, has violated my rights. 
-Bankruptcy XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
-Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX ; US Sm Bus Admin ODA , have violated my rights.

15 U.S.C. 1681 Section 602 A states that I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency c
an not furnish an account without my written instructions