23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have Disputed this Account about removing XXXX XXXX XXXX due to : 1. Violation of Privacy Act : XXXX XXXX XXXX. The No Disclosure without Consent Rule No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to XXXX exceptions ]. 5 U.S.C. 552a ( b ). 

Under the Privacy Acts disclosure provision, agencies generally are prohibited from disclosing records by any means of communication written, oral, electronic, or mechanical without the written consent of the individual. 

I DID NOT GIVE ANY CONSENT by written, oral, electronic, or mechanical to EXPERIAN, XXXX or XXXX nor any other XXXX party companies to share my information publicly. 

I asked them to remove it on these dates below : Experian Disputes : Date Generated XX/XX/XXXX XXXX XXXX XXXX Report Number XXXX Date Generated XX/XX/XXXX XXXX XXXX XXXX Account XXXX Updated Information on this item has been updated. Please review your report for the details. 

Report Number XXXX Date Generated XX/XX/XXXX XXXX XXXX XXXX Account XXXX Report Number XXXX Date Generated XX/XX/XXXX XXXX XXXX XXXX Account XXXX XXXX Disputes XXXX Confirmation number : XXXX Submitted XX/XX/XXXX Under investigation Completed XX/XX/XXXX Confirmation number : XXXX Submitted XX/XX/XXXX Under investigation Completed XX/XX/XXXX Confirmation number : XXXX Submitted XX/XX/XXXX Under investigation Completed XX/XX/XXXX XXXX Dispute : Date Submitted Estimated Completion Status XX/XX/XXXX XX/XX/XXXX In Process
Product: Debt collection

I paid off my unsettled debt with XXXX over the phone several years ago!! Now this collection company comes out of nowhere submitting a collection on my XXXX credit file for {$2000.00}!!! No notification/ explanation/ proof of nothing!! I sent a certified letter to them earlier this month to no avail!! No working phone # and or email!!! This should be criminal the way some super-substandard so-called collection companies operate!!! 

Please have them delete this unfounded entry from my credit bureaus immediately!!!
Product: Money transfer, virtual currency, or money service

Information was stolen as well as funds due to Cash Apps inability to have a live agent to handle complaints.
Product: Checking or savings account

This is my second complaint against Wells Fargo. the first was closed because they gave an answer but no resolution. on XX/XX/XXXX XXXX of my accounts were hacked business checking and personal savings and XXXX wire transfers for {$25000.00} each were made out of my account to XXXX accounts in a XXXX  XXXX XXXX. They said they could not reclaim the funds even though we reported it within XXXX half hour of the wire transfer being done. I contacted B of A as I have an account there as well they said to have the case reopened. I did and it was another XXXX weeks before I could get any information as to who and account numbers and names for the police report. They would not give me the recipient 's names and addresses as asked for by the police. I faunally got the names and account numbers on XXXX on XXXX I was told that the funds were all depleted and they were going to close the case again. I then reached out to XXXX XXXX XXXX through my financial manager for my XXXX and Retirement account ( with XXXX XXXX ) after a few days I was told that {$23000.00} was recovered and sitting in a hold harmless account and that Wells Fargo never contacted them for recovery. I called the fraud department again and asked for a new case number and gave them all the information from XXXX XXXX XXXX. As of XX/XX/XXXX no contact I called Wells Fargo again and was tolld no information that the reached out XXXX did not hear from XXXX XXXX XXXX. I called XXXX XXXX XXXX and asked them to follow up with this information. I believe neither Bank si communicating with each other. I i informed them of the fraud within XXXX hour how could they not hold the funds until it was checked out, why not give me the information for th police and if the funds that are available are sitting ther why does it take so long to get them back. XXXX XXXX XXXX tell me they have fraud insurance to cover this Well 's Fargo says it not covered because codes were sent to my phone, I informed them that my phone was also hacked I could call out but could not get calls until I went to XXXX XXXX XXXX to unlock my phone on XX/XX/XXXX. no one knows what the other bank is doing there is no communication between them and me. They don't care.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify are accurate : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

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 the law to do so. 
XXXX/DOFED XXXX XXXX/DOFED XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act, XXXXE Account Number : XXXX, XXXX Account Number : XXXX, XXXX CARD Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX XXXX Account XXXX : XXXX, XXXX  XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : 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
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX did a wire transfer from XXXX bank to XXXX XXXX, XXXX Recipient Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NV XXXX Routing Number : XXXX Account Number : XXXX Bank Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX : I was wire transferring money into my Binance wallet. Binance has accepted the money but not process the transaction in my account The amounts are {$12000.00} and {$1000.00}. After three days I see they still did not process the money. I sent in a complaint ticket. they asked for a video with me holding an ID to prove account I did. ( day 4 ) Then they asked my husband to verify account on XX/XX/19. He did. Then they asked for copy of the wire transfer on the XXXX we sent it. On Friday the XXXX we got email They keep sending the same email over and over but no resolution. Also sent a complaint to XXXX XXXX as they are the bank holding the money. 

XXXX XXXX USD XXXX Processing from : Wire Transfer XXXX XXXX USD XXXX Processing from : Wire Transfer This is the email that we keep getting hank you for contacting our team! We've received your request # XXXX. 

Please note that XXXX XXXX, will only process Wire Deposits during business days, Monday through Friday, prior to 12:00 PM Pacific Time. Wires Deposits submitted after this time will be processed on the next available business day. 

Failure to provide a reference code in the Message to Recipient or Beneficiary will result in a rejected deposit. If your Wire Deposit has been rejected, it will return the funds back to the sending bank institution under the condition they are able to accept in-coming wires. Please contact your bank for more information. 

However, if you have completed all of the necessary steps but have not received your deposit, please provide us with a copy of the wire transfer receipt provided by your bank, as well as the reference code provided to you by Binance.XXXX. For more information regarding Wire Transfers, please visit our support page : XXXX : XXXX Respectfully, BinanceXXXX Support Team Here are some great articles that may help :
Product: Debt collection

A review of my credit report reveled a collection notice had been placed with the three credit reporting agencies by : Commonwealth Financial XXXX XXXX XXXX XXXX PA XXXX Due to a bill from : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX I have never had any contact, received a bill, phone call, or any correspondence with either of these companies. 
My health insurer is XXXX. The indicated that there are no outstanding bills, co-pays or disputes with XXXX XXXX. 
How can a collection agency be allowed to act in this manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

Companies reporting on my Equifax credit bureau reporting multiple duplicate accounts. 
these entities are as follows : XXXX XXXX : Account # XXXX, An Inaccurate charge-off can not be on bureaus After closed. 
XXXX XXXX XXXX, XXXX  : account # XXXX Blatantly inaccurate account! duplicate collection account. 
XXXX XXXX XXXX : account # XXXX Blatantly inaccurate account! duplicate collection account. 

All Companies displayed on all XXXX of my credit reports for the SAME accounts. 
I dont understand how you can say that this collection was verified, when I havent seen any documentation whatsoever. This is a violation of my rights under section 609!

By disputing this debt and exercising my rights under UCC 1-308.

Under UCC 1-308, I reserve my right to not be compelled to perform under any contract or agreement that I did not knowingly, voluntarily, and intentionally enter into. I also reserve my right to assert any and all affirmative defenses and counterclaims that may be available to me under applicable law. 
Companies placed different information on all 3 major credit bureaus.
Product: Credit card or prepaid card

On my XX/XX/2020 statement, American Express charged me {$150.00} annual fee on a card that I never use. In XXXX, I requested they close the account and refund the fee. They refused to refund the fee. Again, I do not ever use the card. Instead of easily closing and removing the fee, they forced me into a lower fee card. This is completely unacceptable.
Product: Debt collection

Upon checking my recent credit report, I discovered a significant drop in my credit score, which led me to investigate further. I found an account on XX/XX/XXXX, listed as closed from Amazon/Synchrony Bank that was added without my knowledge or consent. I have never applied for or conducted any business with Amazon or Synchrony Bank, making this a fraudulent account. This account was opened XX/XX/year> and closed XX/XX/year> due to fraudulent activity by the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the following accounts 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 602 A It also states a consumer reporting agency can not furnish a account without my written instructions XXXX Acct # XXXX XXXX Acct XXXX XXXX Acct # XXXX XXXX XXXXXXXX XXXX XXXX Acct XXXX XXXX XXXX Acct XXXX XXXX XXXXXXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) Acct # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED I firmly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is imperative that you expeditiously erase this misleading information from my records.
Product: Credit card or prepaid card

On XX/XX/XXXX I reached out to Wells Fargo to use a travel credit. I experienced a very long hold time and once I spoke to someone was told that I had to speak to a specialist to use my credit. I was told I would be contacted in 24 hours which didn't happen. I called back several times only to experience longer hold times. On XX/XX/XXXX I was contacted and the agent told me he could process my request to use my credit and because the credit didn't cover the cost of the plan ticket he took my credit card number to pay for the difference. When I showed up at the airport on XX/XX/XXXX there was no record of the ticket so I had to purchase another ticket at the airport. 

I quickly called Wells Fargo and was put on hold and when I finally spoke to someone I was told I would be contacted in 24 hours which once again didn't happen. It took several days for them to call me back and I was given a supervisor to speak with. That person has been very unresponsive, does not return calls when I am told she will and when I call back I am put on hold for almost an hour. 

This matter has been going on for over two weeks at this point and I am very frustrated. Not only are they not meeting SLAs, the customer service is terrible and at this point I am ready to cancel my card. I have not been given updates on this matter and am still unsure of what happened on XX/XX/XXXX. It has been very frustrating and I work in Operations for another bank. I know how things are suppose to work and the Wells Fargo escalation process isn't working at all. I deserve compensation for all the run around I have experienced as well as for the loss of time. I was also charged a {$25.00} fee from Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX  XXXX, XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX XXXX XXXX XXXX  XXXX Balance : {$11000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$220.00} XXXX XXXX XXXXXX/XX/2022
Product: Debt collection

On XXXX/XXXX/2016, I received a voicemail message from a XXXX at XXXX. She did not state the company name. She stated this message is for XXXX XXXX and she was calling in regards to a XXXX XXXX and requested I call her back with the reference # XXXX. After Googling the phone number I found many complaints and the phone number belonged to the above named company, which is a Debt Collector. I returned the call. Someone answered, but he did no identify in the company 's name. I asked the name of the company and it was given. I provided my name and the reference #. Then I asked what type of company was XXXX XXXX. He replied we handle personal business matters. He told me he would transfer me to XXXX. Before the transfer, he asked if we become disconnected could he call me back. I replied, NO. I was transferred and the woman stated they have been unsuccessful in contacting XXXX XXXX and wanted me to provide his personal info. I asked why and she stated they are not allowed to provide that info. I stated I do know XXXX XXXX and can not provide his personal info without knowing why. I replied send him a letter. She stated we have done that. I replied no you have not and hung. I find it odd that this company has my phone number ( which I have had for only a few years ) and they do not have his phone number ( which he has had for almost ten years. We have never done business with this company and we do not have any outstanding debts that would be transferred to them. I am concerned this is a SCAM.
Product: Credit reporting or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Dispute of Unauthorized and Inaccurate Information Dear Equifax Dispute Department, I hope this letter finds you well. I am writing to formally dispute certain information on my credit report that I believe to be inaccurate and unauthorized Upon reviewing my credit report, I found the following item ( s ) that I am disputing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX During this conversation customer service representative XXXX badge number # XXXX informed me that the address on file was also incorrect being reported 15 U.S.C. 1681b is part of the Fair Credit Reporting Act ( FCRA ), which regulates how consumer credit information is collected, shared, and used. Specifically, 1681b outlines the permissible purposes for which consumer reporting agencies may furnish consumer reports These items are unauthorized and unverifiable I kindly request that you investigate these discrepancies and provide a corrected version of the report. I believe that addressing these issues is crucial for maintaining the integrity of the information and for ensuring that all parties involved have accurate data. 

Please let me know how you plan to address this issue. I am hopeful for a prompt resolution and am happy to provide any additional information you may need during your investigation. 

Thank you for your attention to this matter. I look forward to your response.
Product: Debt collection

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX and autograph as the agent XXXX attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, LVNV FUNDING LLC failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
LVNV FUNDING LLC Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
LVNV FUNDING LLC Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt was sold from XXXX XXXX XXXX XXXX XXXX XXXX I know this because I called XXXX to make the payment, who sent me to XXXX. This debt was paid in full to XXXX XXXX on XX/XX/2001 despite NEVER receiving any communications from them. This is not an OPEN account with XXXX XXXX. I have disputed this account on multiple occasions because XXXX XXXX and XXXX refuse to report accurate information and delete the accounts as agreed. NONE OF THE INFORMATION MATCHES ACROSS AGENCIES. If the agencies are properly validating these accounts then shouldnt they all be getting the same information? Yet all 3 National Credit Reporting Agencies XXXX XXXX, Experian, XXXX ) continue to ignore my disputes and mark it as verified as accurate. When, in reality, they can not even accurately or legally validate the account. I want these accounts removed from my credit report immediately in accordance with FCRA regulations. XXXX XXXX has illegally added this account as a NEW and OPEN account on my report. 
Inconsistencies include : Account Type, Account Status, Account Numbers, Date Last Active, Date Last Payment, Date Last Reported, Date Open, Payment Status, Credit limit, and comments. XXXX and Experian have missing information. These accounts have negatively affected my ability to get a credit card, a loan, a mortgage, and they are negatively affecting my military security clearance.
Product: Debt collection

Multiple aggressive calls. Misrepresentation that written information about debt had been mailed as requested. Repeated request to fax personal information over even after refusal to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

In light of recent investigation upon Equifax, I find that my consumer file is being irresponsibly tampered with. Over the past few months I have made several attempts to remind Equifax of their duty pursuant to 15 USC 1681. It appears that they have intentionally and willfully been neglecting remedying my affairs. 15 USC 1681e ( b ) states that I am due, promised accuracy in my report based on federal law. 

I did not apply, nor ask for credit, nor did I give permission to this company to run my credit, place a hard inquiry on my credit file, or furnish any inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a hard inquiry from XXXX XXXX XXXX  XX/XX/22 and want it removed immediately. I did not consent to this inquiry at all. I spoke with XXXX XXXX XXXX they stated that they did not do inquiry. 15 U.S. Code 1681b