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

XX/XX/2021 I placed a transfer from my primary checking to my brokerage account, internally, both accounts are with Charles Schwab. The money was debited from my checking account but never credited to my brokerage account. I called Charles Schwab after about 30 minutes and asked why it wasn't available. They had said they are aware of the issue and are working on resolving it in just a few hours. A few hours pass and I call Charles Schwab again and am told that it will be resolved within the hour. The day ends and the money is still gone from my account. Today, XX/XX/2021 the money is still not in my account. I contact Charles Schwab upset that we are about to go into a 3 day weekend and I now have no money in my account. The supervisor that spoke to me basically told me to just relax and wait. I got upset with this answer and he hung up on me. I've missed 2 trading days because of this and am now about to have no access to my money for 5 days.
Product: Credit reporting or other personal consumer reports

Formal Complaint Regarding Unverified Hard Inquiry on TransUnion Report To Whom It May Concern, I am submitting a formal complaint concerning an unverified hard inquiry reported by TransUnion but not reflected on my XXXX or XXXX credit reports. The inquiry in question is from XXXX XXXX XXXX XXXX the last date of inquiry being XX/XX/year>. 

This discrepancy violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which requires that all information reported by consumer reporting agencies be accurate, verifiable, and fair. If this inquiry can not be independently verified as authorized, it must be immediately removed from my credit report. 

Basis for Dispute : The hard inquiry is only reported on TransUnion and not on XXXX or XXXX, raising questions about its validity and authorization. 

This unverified inquiry is negatively affecting my creditworthiness, causing harm by lowering my credit score and limiting my ability to obtain favorable terms on credit products. 


Request for Immediate Removal : I formally dispute the presence of this hard inquiry on my TransUnion credit report and request its immediate removal as it can not be verified across all major credit bureaus. 

Legal and Regulatory Actions : If this matter is not resolved promptly : I will escalate this issue to the State Attorney General and the Federal Trade Commission ( FTC ). 

I reserve the right to seek legal action for damages caused by the inaccurate reporting of this unverified inquiry, including statutory damages of up to {$1000.00} per violation under the FCRA. 


I expect a written response within the legally required timeline confirming the deletion of the hard inquiry and outlining the steps taken to address this matter. 

Thank you for your immediate attention to this issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

This card is American express gift card and My mother gifted me early spring for {$1000.00} XXXXIn XXXX I started using card and all of a sudden, the card started decling so I checked online and I came to know XXXX charges popped up completely note related to me. I live in NY and the charges are from some fony companies in XXXX which I didn't visit in last 5 years. The companies who charged has no physical address, No websites, and No phone numbers.. I contacted the American express but they outsourced this department to overseas company called XXXX Payments. I tried to explain them and they opened a case " Case Number XXXX ''.. Extreme hard to explian to the staff as they failed to understand its fraud. After XXXX weeks they just emailed me that the case has been declined and after that i would have called around XXXX times to talk to some managerial positition to present my case but Managers don't have access to data of resolution team on which grounds they declined my case.. I think Majority phone calls for this department answers by overseas representative where it looks like there is no quality control. 

Here is the list of charges XX/XX/scrub>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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$170.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This fake company sent me an unsolicited email. I sent them a foul message in return and it was returned to me stating it could not be delivered. So this tells me this is an identity theft person who stole some things from other web sites to try to look legit. More needs to be done to stop this mess!
Product: Debt collection

This is the third time I have attempted to resolve this charge that is not mine. XX/XX/19 the company told me within 30 days the charge would be changed on my credit report. XX/XX/19 the company said they sent a letter to the original lender ( which I dont recognize either one of these companies therefore I suspect fraud ), however nothing has changed in the past three week. This is my third attempt to resolve this. Midwest Recovery Systems sent me something in the mail to file fraud but it required me to write all my information including my social security number. Tell me, why would I send a paper with all my information to a company a suspect is committing fraud against me? That doesnt make sense AT ALL. I demand this debt be taken off of credit report. I know there is no evidence that this debt is mine because I have never even had contact with this original lender. I will continue to report this until it is resolved.
Product: Credit reporting or other personal consumer reports

I am trying to lift a temporary freeze on my Equifax account. I set up a login to do the freeze last year, but any time I try to log in it says they are unable to process my request and I have to call them. Then when I call them they say they are unable to verify my identity. Basically means Equifax has locked me out of my own credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, LLC., is furnishing a Consumer Report without permissible purposes. XXXX XXXX XXXX Doing Business As Chief Executive Officer of Transunion, LLC., and Transunion , LLC. , are committing Racketeering Activity in addition to Aggravated Identity Theft, and violating the Graham-Leach-Bliley Act . I am demanding that Transunion, LLC., remove these inquires the consumer report of XXXX XXXX XXXX XXXX Consumer, or a lawsuit will be filed in Federal District Court .
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention certain inaccuracies in my credit report maintained by your agency, as governed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. After reviewing my credit report, I have identified the following discrepancies : 1. XXXXXXXX XXXX XXXXXXXX - Account Number : XXXX 2. XXXX XXXX XXXX - Account Number : XXXX 3. XXXX XXXX XXXX - Account Number : XXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719 | May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists. 
These inaccuracies have had adverse effects on my creditworthiness and have impacted my ability to secure favorable terms on credit and financial transactions. In accordance with my rights under 15 U.S.C. 1681i ( a ), 15 U.S.C. 1681e ( b ), and 15 U.S.C. 1681e ( j ), I am hereby disputing the aforementioned information and demanding a prompt DELETION. 
Please conduct a thorough and reasonable investigation into the disputed items in accordance with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Additionally, I request that you review the procedures used to ensure the maximum possible accuracy of the information contained in my credit report, as required by 15 U.S.C. 1681e ( b ), and provide me with the disclosure required under 15 U.S.C. 1681e ( j ).

I request that you notify me of the results of your investigation within 30 days of receiving the initial dispute, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). I request that you promptly delete the information from my credit report. 
If, after a reasonable period, the investigation is not completed or the disputed information is not corrected, I reserve the right to pursue legal remedies, including but not limited to filing a complaint with the Consumer Financial Protection Bureau and pursuing arbitration as provided for under 15 U.S.C. 1681s-2 ( b ). 
I appreciate your prompt attention to this matter and expect that you will comply with the FCRA in conducting a thorough investigation. 
Sincerely, XXXX XXXX
Product: Debt collection

I discovered I was a Victim of Identity Theft in XX/XX/2014, I filed an Identity Theft Police Report and Affidavit of Fraud. I've contacted the Credit Bureaus multiple times over the past 7 years and notified them that multiple accounts were opened in my name without my knowledge and/or consent. Discover Financial is reporting a fraudulent account on my XXXX  and XXXX XXXX Credit Reports, I notified Discover Financial and advised them I had no knowledge of this account and I believe it was a direct result from Identity Theft. XXXX removed the Discover Financial Account from my XXXX  Report, however XXXX  & XXXX XXXX have continue to report this account as a charge off on my credit reports ...
Product: Mortgage

Wells Fargo is claiming our escrow account has a shortage. Our county, local and school taxes did not go up. Actually, our school taxes went down according to Wells Fargo, but I ca n't find the exact amount. Our homeowners insurance increased by {$53.00}. When I add the monthly escrow amounts, we only have a shortage of {$41.00}, but Wells Fargo claims it is a shortage of {$62.00}. I asked customer service to re-do the yearly analysis since it is wrong, and she says they wo n't redo it. They mailed our coupon for XX/XX/2017 and now have us paying a shortage of {$100.00}. I 'm willing to make up the shortage of {$41.00}, but I 'm not willing to pad my escrow account and have an extra {$60.00} for Wells Fargo to use for their interests. My escrow account should balance {$0.00} when Wells Fargo is finished paying our taxes. Wells Fargo makes money on our mortgage, not on our escrow account.
Product: Debt collection

Letter dated : XX/XX/year> Requesting payment amount of : {$9100.00} I am writing to formally file a complaint against Asset Recovery Solutions LLC due to their repeated and harassing phone calls, which have become an ongoing issue. I am unsure of the legitamacy of the debt collection as I tried working with the named creditor and was not made aware of account being transferred to this debt collector agency. 

They call every day and multiple times a day. Despite my requests for these calls to stop, I continue to receive them multiple times a day, including on my work phone. The calls are originating from different phone numbers, making it impossible for me to block them effectively. 

This relentless behavior has not only disrupted my personal and professional life but also caused significant stress. I consider this conduct to be a violation of my consumer rights and an unwarranted invasion of my privacy.
Product: Debt collection

I hope you are doing well as I write this. I'm writing to discuss a very important issue with my credit report. I've discovered multiple unauthorized accounts on my credit report, which has adversely affected my creditworthiness. I firmly think that identity theft is the cause of these accounts, and they need to be resolved right away. 

The following are the specific accounts in question : 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 To be clear, in no way have I initiated or authorized these accounts. Without my knowledge or agreement, these accounts were opened fraudulently. In order to resolve this matter, I have taken the required actions to notify the appropriate authorities about the alleged identity theft, including submitting a report to the Federal Trade Commission ( FTC ) and [ Name of Local Law Enforcement Agency ]. For your information, I've also included a copy of the Identity Theft Report that was submitted to the FTC. 

Since these accounts are not the result of any legal transaction or credit application filed by me, I respectfully ask that you look into the authenticity of these accounts and take the necessary steps to remove them off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

A charge off is a Certificate of indebtedness which means it is income it must be removed. XXXX XXXX XXXX is in violation of privacy act 1974, I didnt give XXXX XXXX XXXX Consent to report my personal information I also dont remember doing any business with this company, do to XXXX XXXX XXXX violating my privacy rights, I have been Suffering emotional damage when it comes to purchasing a home for my children not only that I am suffering but my kids as well, this is call pain and suffering, I have been humiliated. I will like to opt out of this charge off, 15 U.S.C 6802-15 U.S.Code 6804 Obligations with respect to disclosures of personal information. Do to sending my information to a nonaffiliated third party such as EXPERIAN, XXXX and XXXX other fraud has been committed under my name. Please show me where I gave XXXX XXXX XXXX the consent to share my personal information to these institutions.

15 U.S.C 6501-15 U.S.C 6505.

433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.
Product: Checking or savings account

i have two CDs at wells fargo. one for {$8000.00} and one for {$12000.00} expiring XXXX and XXXX/XXXX respectively. when i called to put moneys in my checking account, wells fargo refused due to a " glitch in their system ''. wells fargo said that there is nothing i can do. that it is unknown when MY money will be returned to me.
Product: Credit reporting or other personal consumer reports

I'm writing this letter to inform you I have found inaccurate information on my credit report. The following information is fraudulent and I have no relationship yo it. Please remove the following information from my credit report immediately : XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXXXXXX XXXX  CA, XXXX
Product: Checking or savings account

I am still having an issue opening up a Chase Bank checking and savings account online at account.chase.com and at local Chase Bank branch due to the fraudulent checking and savings account that was opened in my name due to identity theft. Chase approved my Identity Theft Claim on XX/XX/XXXX, but I am still not able to open up a Chase checking or savings account online at account.chase.com or at a local Chase branch. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX
Product: Vehicle loan or lease

Consumer Portfolio Services lienholder Repossessed vehicle from service center at XXXX XXXX in XXXX XXXX XXXX Minnesota while past due amount was less than 60 days late in XX/XX/XXXX. They have since ceased communication and refused to verify they have the vehicle after taking possession, so I could not get my back. The service center told me they offered them money to take the car from the shop which to them is a valuable asset as the loan to purchase car that i had was below market value. Not only do they have the car but they have been reporting inaccurate information on my credit report claiming I owe full amount of loan and continue to report late monthly payments. XXXX XXXX XXXX XXXX with under XXXX miles brand new condition.
Product: Debt collection

The XXXX XXXX XXXX, a debt collector with offices in Arizona, has attempted to collect a debt that it knew or, should have known was the result of identity theft. XXXX XXXX has used the court system to intimidate me and my family into paying a debt for which we're not responsible. The firm has acted extra-judicially in attempting to collect a debt from those who are not responsible for the debt.
Product: Credit reporting

I requested my credit score and paid a special reduced fee for providing the score from Experian. Later, when I found out they had charged me {$21.00} in addition to the {$1.00}, I called them to cancel the charge and the account they said I had opened. Their representatives made me wait a long time on the phone before I could even talk to someone, and even then I found no legitimate reason for the charge. They said it was for a monthly membership but I told them I was not interested in this service. But they said I could not cancel it even though it was the XXXX day of the month-long " service. '' I have no idea what service they are providing and would like my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit reports and all three have multiple inaccuracies, they are reported that my XXXX XXXX are XXXX and 160 days late but there are no 30 or 60 days payments reported. I believe these are violations of the FCRA. and have requested in writing multiple times that there inaccuracies be corrected or removed with no action being taken. I am requesting these late payments be removed from all three of my credit reports and new reports with undated information be sent to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax because I saw that I had drastic decrease of 61 point through XXXX XXXX. The representative refused to give me information unless I pay {$15.00} for a one time charge. The representative then quoted me a score under 600 after I paid and refused to explain to me why my score dropped. The representative the transferred me to a different representative who told me that his computer was not working and to call back in an hour. I have worked very hard on my credit and check it daily. After looking at the reason code through XXXX XXXX, Equifax notated that since I had a balance increase on my student loan with XXXX XXXX XXXX and they assumed I missed some payments. The truth is my loans are deferred and my new payments began on XX/XX/2019, so that there is no pass due amount. I pay all of my accounts on time and by Equifax dropping my score like this is an insult to my never late or missed credit card payments, never late or missed vehicle loan payments, never late or missed mortgage payments, and never late or missed personal loan payments. Equifax also removed one of my credit cards with XXXX XXXX  that I have paid on time for six months off of my credit report. The credit card was compromised and was cut off until a new card was reissued. I still have this account and it is in good standing. The account was NEVER closed and this has also hurt my credit score. I feel that Equifax reporting agency is unfair and seeks to hurt people who are trying to repair their credit. Please help me resolve this issue with Equifax.
Product: Consumer Loan

There was an auto loan where the payments got behind after the loss of income, and the finance company Ally ( XXXX XXXX ) was to close the account refelecting the bankruptcy. However, they are still trying to collect illegally from me by reporting an active and open account with the creddit bureau. Everytime I disputed this issue they came back and stated the account is open and has a balance, but will not report the facts that it was chaged off and closed. In addition, they reported to the federal courts that they would be removing the accont from its portfolio and pipeline where the informationwould not harm me from restablishing my credit. I currently, have XXXX auto loans with XXXX and are aid ontie, and because of the fraudulent reporting it reflects that i have XXXX auto loans which is not factual. 
Ally has a group of people such as XXXX, and another person who do not understand request to speak to managers and supervisors i was transferred from XXXX to XXXX where the experience was very horrible and this group is a recovery team when theres nothing to recover. I am seeking relief and support from the company, also restitution for the improper reporting which has prevented the movement of federal clearance. The account is charged off, and vehicle was sold less than the requested reaffirmation agreement that was submitted to Ally by me to have a supporting repayment pan, they paid an attorney XXXX to keep me from paying the restructed affirmation plan as it was requested.
Product: Credit reporting or other personal consumer reports

Notice XXXX XXXX XXXX XXXX XXXX And XXXX XXXX XXXX FCRA Section 611 & 617 If Unverified items listed below are not deleted immediately. A copy of this letter as well as copies of XXXX written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

XXXX XXXX XXXX. XXXX XXXX XXXX ( creditor Superior XXXX Michigan ) Derogatory marks : XXXX XXXX XXXX XXXX. Equifax and XXXX XXXX. XXXX collection ( creditor XXXX and XXXX company ) XXXX. XXXX collection ( creditor Progressive ) Derogatory marks : XXXX collection XXXX collection Hard inquiries by : XXXX XXXX fed XXXX XXXX bank XXXX NC XXXX, I did an investigation on my credit report and found these items to be inaccurate. I never gave consent to put these items above on my credit report you are violating 15 U.S. Code 1681B of Permissible Purpose. Please provide the following request : or must be deleted from credit report immediately. 

XXXX. Copy of the original contract XXXX. Copy of payment history XXXX. Name and address of original creditor XXXX. Proof of the debt assignment Recently, I did an investigation on my credit report and found these items to be inaccurate. Please provide the following request : or must be deleted from credit report immediately. 

Under 15 U.S. Code 1692g validation of debts. I do not recognize how this account is reporting on my credit report. I dont recognize the accounts number, I dont recognize the account status, I dont recognize the account High balance, everything reported here does not meet the FCRA Please remove the following items from my credit report, immediately : XXXX XXXX
Product: Vehicle loan or lease

I attempted and failed to make a payment arrangement with Ally Financial. Admittedly, I'm behind on my loan ( new to this experience ) due to brief unemployment. I get it, they want their money. BUT they refused to provide XXXX with a XXXX or XXXX payoff amount, and also are refusing to take any payment from me, or provide me with a XXXX or XXXX payoff amount, which I believe is required by law. Just trying to find a solution here, and am met with literal laughter in the background and unprofessional phone calls that lead nowhere. I believe that Ally is breaking the law.
Product: Credit card

Ive had questions about pending charges on my cash app account and requested refunds for payments I did not authorize on numerous occasions, but there was no customer service support or phone line to connect with the company.