23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfers

On XXXX XXXX of XXXX, I made an international wire transfer through JP Morgan Chase Bank with an assumption that wire would be processed smoothly and successfully. But XXXX of XXXX, I told by the beneficiary that they have never received the wire. Upon my finding, I started my investigation with JP Morgan Wire Department. Then I was transferred to JP Morgan Foreign Exchange Department where I was told that JP Morgan used its intermediate bank to transfer the wire to the beneficiary account. My persistent communication with JP Morgan Foreign Exchange office for about two months finally helped me getting a reply from intermediate bank saying that " the amount was settled in the form of check as of XXXX XXXX, XXXX ''.
Product: Checking or savings account

I have 13 accounts with Wells Fargo internal emailed me on XX/XX/ that they were closing my accounts. If they have that right then that's fine but I want my funds, credits and or money released to me immediately. and I want all the interest that has incurred since I was not able to pay bills or purchases any goods or services. to which I have incurred late fees to which I will need to be compensated for. I was also explained by a branch manager that there was a returned wire of {$570000.00} that was being returned to my account. and I still have not received any documents to show well Fargo has registered in receiving it because my accounts are closed ( account ending in XXXX ). XXXX XXXX was the returning bank for the wire.
Product: Credit card or prepaid card

Received XX/XX/XXXX a written communication from PayPal Credit dtd XX/XX/XXXX about which we were totally confused. 
Never applied therefor or wanted. supposedly for a XXXX account charge. 

Placed call to ( XXXX ) XXXX XXXX XX/XX/XXXX XXXX P.M. 
Customer service indicated they had no knowledge of any such PayPalCredit connection. We received no evidence this account was assigned by XXXX to PAY PAL CREDIT. ( Nor of any XXXX times three charge made on PayPal credit card ). They indicated no knowledge of the Pay Pal missive/circumstance. 

XX/XX/XXXX XXXX XXXX. Talked to a one who identified as XXXX. 
Demanded the account be closed. 

3. XX/XX/XXXX calling ( XXXX ) XXXX at or about XXXX XXXX 

Called PayPal Credit : One who so identified herself as XXXX Customer service representative at Pay Pal Credit, After explaining ourselves, and she said she would switch us over to a Specialist. the switch over resulted in a recorded call-announcing closed : " now closed Monday through Friday..call back during the hours ... '' I talked to XXXX XX/XX/XXXX she said she could n't remove the charge of {$12.00}. 
No date of purchase.on the letter, nor what the charge was for. PalPal Credit indicated it was one of three transactions. 

XXXX said she would move me over to a credit specialist Hung up. disconnected Let it be known we OPT OUT ( and should n't have to. We did n't order the card. Just reciting the terms and conditions of the card. TO WHICH WE DO NOT ACCEPT ) of any arbitration. 
Curiously, the company wants folks to download a dispute form, and send to additional places ( costing even more certified postage ).
Product: Credit reporting

I sent experience a copy of the court papers where me and my sons mother went to family court and she told the judge that she never filed for child support and the judge could not get any information from child support inforcement and the judge closed the case with no arrears and experience still has it on my credit report and still missing most of the information that 's supposed to be listed and what is listed is not true
Product: Credit reporting or other personal consumer reports

I have items on my credit that is not mines 3-4 Collections in various locations and different states I have disputed this with XXXX, XXXX and XXXX and even called and they states on credit update items not removed because the creditor states it is my collection. Problem is its not my collection and I have provided proof but creditors will remove and resell debt and I will be stuck with the debt all over again. They are not practicing fair credit reporting I have asked for proof and none is provided
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act.The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX. XXXX XXXX XXXX has 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. 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 moreover than XXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

on XX/XX/XXXX upon trying to purschase a Automobile from an independent dealer, I was giving a link by the dealer to leave a deposit of {$500.00}. Shortly after the deposit a series of Unathorized XXXX payments where debited from my Navy Federal Credit Union XXXX account. made to the same dealer I made the {$500.00} deposit to. I contacted XXXX and the Seller. The seller assured me he would fix it and that he had issues with this in the past. He never did and I never bought that car. It was a whole scam. I called XXXX and opended a fraud claim and discpute. They never did anything for me and I am dealing with this again on this. the transactions are as follows : XX/XX/XXXX {$500.00} ( authorized deposit ) XX/XX/XXXX {$1500.00} ( NOT authorized ) XX/XX/XXXX {$1000.00} ( NOT authorized ) XX/XX/XXXX {$1000.00} ( NOT authorized ) and XX/XX/XXXX {$500.00} ( NOT authorized ). Total unathourized charges total {$4000.00}!! 

I never KNOWINGLY made these payments listed in my complaint attached with EXCEPTION to only XXXX of them ( {$500.00} made on XX/XX/XXXX ). Again The {$500.00} was for a down payment for an automobile purchase thru an independent car dealer that scammed me. I never ended up buying that car. So therefore, THAT charge of {$500.00} I DID make and I own up to that loss. 
However, as mentioned. after I paid via XXXX thru a link he provided me my XXXX Checking account was accessed without my authorization or knowledge and these erratic zelle payments were made without my consent! Again, The ONLY valid charge should be the {$500.00} XXXX payment to XXXX XXXX on XX/XX/XXXX. The rest of the payments made to that person were done without my authorization! I was account hacked let alone phished into this sale of a car that was grossly misrepresented and did not drive! 
These charges should and must be reversed and credited back to my account! This is a HUGE loss for me and my family. I have XXXX small children ( now XXXX old and a XXXX XXXX XXXX XXXX to take care of! NAVY FED Not getting my money back based on these circumstanced and facts provided made it clear to me this may be a violation of REG E that protects me! Regardless if XXXX has a no charge back policy. My filing is for UNAUTHORIZED ACCESS and UNAUTHORIZED Payments made without my knowledge! Please help me get my money back.
Product: Credit card or prepaid card

I am writing today in regards to my account with JPMCB CARD account # XXXX. The reason for writing today is in regards to the late payments which is showing on my report in XXXX, XXXX and XX/XX/2020, due to Covid I was unable to make the payment in XXXX, XXXX and XX/XX/2020. As soon as I was able to, I got my payments made and caught up.
Product: Credit reporting or other personal consumer reports

It's my second time writing this complaint. The accounts that were fake were explicitly mentioned in the claim I made to your organization last XX/XX/year>. As a result, there are still accounts on my credit report that shouldn't be there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle for a 2020, since I have an old car and it is soon going to break down. I was at the dealership and they denied giving me an auto loan. I asked them why and I didn't get a explanation. I asked them to review my credit report to me and they told me no. I was very upset so I went home and looked up where I could get a copy of my report and I found a site pulled a copy and now I am even more upset that someone has been using my name to open up accounts that should of never been open. These accounts are not mine. I need them removed as soon as possible from my name. Thank you. USDEPED XXXX {$18000.00} USDOEXXXX XXXX {$46000.00} USDEPED XXXX {$8500.00} XXXX XXXX {$1300.00} XXXX XXXX {$2000.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX  XXXX {$26000.00} CXXXX XXXX XXXX {$3300.00}
Product: Credit reporting or other personal consumer reports

These are unauthorized inquires being reported on my Transunion credit report. I have submitted an identity theft report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I was issued 2 store credit cards for Home Depot store with my same name and numbers on both cards. Unfortunately one of them were missing without me knowing for a little while. My wife who paid all the bills made the usual payments for a few months and questioned why did I went over the limit and why did I buy all that materials and not use my regular business credit card and that was when we both found out one of the card was missing and fraudulently used to make purchases between XX/XX/XXXX until XX/XX/2018. It went way over the {$2500.00} credit limit and we immediately called Home Depot/Citibank to make the disputes. The total charges were over {$3000.00} but I dont have the exact number because they put on interest fees and etc. ( They should have all the fraud charges by the exact numbers on their record ) I also told them we dont sign the back of any one of our credit cards and wrote Ask For ID on the signature panels for safety. 
After a course of over a year, We sent in police report, driver license and all the things they asked for several times. Sometimes with them never received it so I would have to send it again after a long waiting period. They always came back with one reason : *The facts and/or information reviewed as part of the investigation does not substantiate the claim of unauthorized use. 
The last person from Citi I spoke to on the phone with said because I made payments to the account so thats one reason why they decided to put the charges back into my account even though I kept telling him we would make payments due to us wanting to keep my credit perfect. 
With that being said, he then referred me to write to their : Presidential Communication Executive Response in Tennessee with the XXXX XXXX address in XXXX, Tennessee, which I also did, but until today I never heard back from them and dont even know if they received my letter and package. I am very frustrated because Home Depot didnt do their job of checking the card or ask for ID, allowed the account to go way over the limit to nearly {$4000.00} when limit was only {$2500.00} and now trying to pins me for something I didnt make the charges of. 
I cant put each and every item to itemized on here because it was so many that didnt even know where to begin. They do have all the info but kept asking me jump through hoops for over a year. 
They refused to go any further and kept telling me to send stuffs over the mail to a XXXX XXXX that I never heard back from. I am at the end of the rope. This is very bad practice and this need to get out to the pubic how they ran their business.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Midland Funding LLC is still sending in to the credit report  XXXX  times this last year. We already have paid them off as of the first part of   XXXX  . But they keep putting that we owe  XXXX . We have paid them off.
Product: Vehicle loan or lease

I turned my XXXX XXXX XXXX into XXXX of XXXX on XXXX XXXX, 2016 in order to lease a new 2016 XXXX XXXX. The car that was turned in was in " as-new '' condition. 
The dealership inspected the car, then agreed to take the XXXX XXXX with the agreement that they would pay all remaining charges on the Lease, in order to get me into the new car. That included paying off remaining  payments and excess miles charges. I was never told how they would dispose of the car, but assumed they would sell it on their lot as a used vehicle. 
Eight months later I received a bill from Toyota Financial for excess  miles, damage to the car, and a bill for the remaining lease payments.
I have corresponded with Toyota Financial four times, as well as spoken to them on the phone, to clear this up but to no avail. They claim that the dealership never paid the excess miles, the remaining lease payments, and they turned in a damaged vehicle to them. They also claim they are unable to contact the dealership Since my dealings were only with employees of XXXX of XXXX, I contacted them to try to straighten this out at least three times in writing, and over the phone at least twice. 
No one in the Toyota Organization at any level has done anything to attempt to resolve this. This is a fraudulent attempt to extort money from me that is not owed.
Product: Credit reporting or other personal consumer reports

Experian, XXXX, & XXXX XXXX XXXX is reporting an allege collection that I refuse to pay. I did not receive my notice of my right to dispute this debt before it was added to my consumer report. Neither consumer agency provided me with any evidence they did a reasonable investigation to validate this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by thelawtodoso. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company called me three times successively in less than 5 minutes, from XXXX, they hung up on me the first two times. 
Company identified themselves as Phoenix Financial Services and said I owed money that I do not believe I do. I told the person on the phone that the only medical debt I can think fo had been handled by my attorney XXXX XXXX. He told me that he is not responsible to contact my attorney and that it's my credit that is being damaged. I asked if he was threatening to damage my credit? He said it's not a threat if does harm my crdsit. He told me if I ever want to fix my credit I have to call him. I told him not to call my cell phone any more and he said it's my fault because I gave it out to someone.
Product: Credit card or prepaid card

- A credit card bill for the month of XX/XX/XXXX-XX/XX/XXXX, for {$3000.00} ( with a minimum payment of {$30.00} ) was due on XX/XX/XXXX.

- A payment for the full amount of {$3000.00} was mailed. The payment posted on XX/XX/XXXX ; two days late.

- The bill for the month of XX/XX/XXXX-XX/XX/XXXX, for {$4500.00} ( with a minimum payment of {$110.00} ) was received. This included a late fee of {$25.00} and interest of {$73.00}. Payment due date was XX/XX/XXXX. 
- I contacted the credit card company customer service. I stated that in view of the short ( 2 day ) delay in posting the payment, I thought the late fee and interest was unreasonable. Nevertheless, after a short discussion, I agreed that, in view of the fact that the payment had posted late, I would pay the fee and interest. I mailed a payment for the full amount of {$4500.00} ( including fee and interest ). This full payment posted on XX/XX/XXXX, a week ahead of the due date.

- The bill for the month of XX/XX/XXXX-XX/XX/XXXX, had no charges, but another interest amount of {$46.00}. Due date is XX/XX/XXXX.

- I again contacted customer service and spoke to a supervisor. I was told that interest charges accrue over two months, even when all charges, fees, and interest are paid in full. I stated that I thought this was unreasonable and most likely illegal. I stated that I had no intention to pay the additional interest.
Product: Debt collection

Person contacted me on my cell phone- i asked her not to call me on my cell phone and ended the call- she then contacted my office phone and asked me to transfer her to HR - I can not do that since I work from home but gave her the number. She called HR and told them who she was and that she was trying to collect a debt that I refuse to pay. 

I have payed this debt and have receipts but they continue to " collect '' on it.
Product: Credit reporting or other personal consumer reports

I am in the process of securing a mortgage on a second home. I have a broker. She sent me an email about opting out of credit bureaus pre screening. I didnt see it in time. Within 10 minutes of me seeing the email, the calls started. 37 on my cell phone in less than 24 hours so far, 4 calls on the home phone and at least 9 text messages.

I have since researched this ridiculousness and have included my information on the opt-out website. It is only good for 5 years! I also checked my info on the do not call lists which I DID do years ago and my info isnt on the registry list!

Unfortunately, my information has already been sold and Im livid. Im reaching out to my congressman and Senators. Im also reaching out to each credit bureau. This blurred line that allows them to sell my information is wrongand should be as illegal as it can be. Why is the onus to opt out on the individual?! They should only be allowed to have people
opt-in.

I want the 3 credit bureaus to NOT be able to opt me in at their convenience. I shouldnt have to hunt them down to not sell my info.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a Phishing email stating that my credit scores have changed from XXXX XXXX phony email If you are unable to see the message below, use this link view. 

XXXX XXXX XXXX What's your XXXX  Credit Score? 

Get Your 3 Credit Scores in 3 Easy Steps!

Get Started Today!

1 Click Click on Your Scores Now.

2 Complete Fill out the simple form.

3 View See your 3 Credit Scores Instantly. 


YOUR SCORES - XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX, Texas XXXX I looked up the address on the internet and this is what I found from someone. 
One Technologies XXXX XXXX XXXX XXXX XXXX, TX Computers ... 
XXXX XXXX XXXX-XXXX Get directions, reviews and information for One Technologies in XXXX, TX. ... XXXX XXXX XXXX XXXX, XXXX, TX XXXX ... This company owns XXXX and took over XXXX from my account over a 2 year period WITHOUT my permission and ... 
Here are some more notaions from other people being abused by this company One Technologies in XXXX. 
XXXXPrevious review This company owns XXXX and took over XXXX from my account over a 2 year period WITHOUT my permission and now are refusing to give it back!!! There reasoning for the denial of refund is : Refund was requested after billing date.!!!!!! 
You reallllly want to see me in court??? A single mother, XXXX XXXX XXXX with XXXX XXXX XXXX and XXXX! I never solicited your services and only wanted a refund but now I'm feeling harassed and my XXXX XXXX is through the roof. Guess I have no choice but to take legal action against this multi million dollar company that has recently lost a class action law suit for the exact same thing! 
This was so senseless XXXX  XXXX XXXX Read more Photo of XXXX XXXX. 
XXXX XXXX. 
XXXX, FL XXXX XXXX XXXX XX/XX/XXXX This company owns XXXX and they are a total rip off. Was charging my account {$40.00} a month and finally tried to dispute it. Had to go to visa
Product: Debt collection

I found a collection on my credit report. I decided to call the collector and for my surprise this is from a telecommunication company name " XXXX ''. I explained the debt collector that XXXX communication wouldn't send me a box to ship it because it would cost more to ship it than the box was worth. I had the impression they would just credit the value of the equipment and just zero out the balance. The debt collector explained me they did credit, but it is a remaining balance for {$89.00} bucks. I told her I can pay it but due to the miss understanding I would like to request deletion from my credit report, she declined and started to fight with me due to my request. I told her I wasn't lying and since she was very intense, I requested a validation of debt but SHE DENIED TO MAIL THE VALIDATION OF DEBT, she said she won't just because. 

I believe I have rights they should respect, and I have the right to receive a validation of this debt, what if they are just lying to me?? 

Also, there is something called MINI MIRANDA RIGHTS and this debt collector just didn't disclose it. That should be enough to cancel this debt.