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

At the date of XXXX XXXX, I tried to send money to my friend by XXXX app through Bank of America. It was his rent money but he never received it. The money which was {$3200.00} went to the wrong person. I used XXXX because I trusted Bank of America but theyre not taking any responsibility to give my money back. They keep telling me that I have to ask the receiver but I dont know them and when I contacted the number and left massage no one contacted me back. My friend is in hard situation and desperately need that money for his rent. The receiver has account in XXXX as well but the bank not trying to get my money back to me. I need them to recall the money or inform the person who is their customer, to return back my money to my account. Im customer of XXXX for almost 20 years. If they dont want to help me it would make me so disappointed and Ill close my account with XXXX XXXX XXXX app is promoted by bank but its so frustrating that bank doesnt take any responsibility for covering the fund which is a customer loss. Thats the bank job to cover by loss. I filled the claim with bank and reopened it two more times but they denied my request. Please help me ASAP. Im looking forward to hear from you soon. Please contact me at my phone number or email.
Product: Debt collection

I checked my credit report and notice that Equidata is reporting XXXX tradelines, I never received any notification from them to dispute the debt. I sent a letter to them in reference to them not sending me an early warning notice with a right to dispute and still no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2023, I paid off the account I had with XXXX XXXX, which was now housed with National Credit Adjuster. The Balance was updated on XX/XX/2023 but still shows I have them as as open item in collections in all 3 bureaus. I need it updated that I DO NOT have them in Collections anymore. I have paid them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ( Account, XXXX XXXX Account # 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 or other personal consumer reports

Transunion continues to report inaccurate and unverifiable information on my consumer report. I am demanding that they comply and delete the accounts stated in the attached dispute
Product: Vehicle loan or lease

I have spoken to Flagship multiple times where they refuse to honor their contract as well as refuse to remedy the situation with my XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

CC : Consumer Financial Protection Bureau ( CFPB ) CC : South Carolina Attorney General ( Complaint Filed ) CC : XXXX XXXX XXXX XXXX XXXX XXXX CC : Federal Trade Commission ( FTC ) CC : XXXX, XXXX, Transunion Dear XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  ), I am writing to dispute the charge-off that appears on my credit report for account XXXX. I believe that this charge-off was the result of multiple violations of federal law, including the Uninformed Decision Law ( 15 U.S. Code 1601 ( a ), the Lack of Evidence of Indebtedness Law ( 15 U.S. Code 1602 ( g ) ( 2 ), and the Adequate Notice Law ( 1643 of 15 U.S. Code 1602 ( k ). Therefore, I am requesting that it be removed from my credit report. 

Firstly, I was not properly informed of my rights and responsibilities under the Uninformed Decision Law. This law requires that creditors provide consumers with certain information, including the cost of credit and the consequences of non-payment, before they can legally charge off an account. I believe that I did not receive adequate information regarding my rights and responsibilities, and as a result, I made an uninformed decision. Such notice may be given to a cardholder by printing the notice on any credit card or honest on each periodic statement of account issued to the cardholder or by any other means reasonably assuring the receipt thereof by the card holder. 

Secondly, I have not received any documentation from the creditor showing that I owe the debt in question, which is a violation of the Lack of Evidence of Indebtedness Law. I am therefore unable to verify the accuracy of the charge-off. The only evidence of this debt was the agreement but the agreement, but that agreement was null and void because I made an uninformed decision, I did not understand this agreement and it was not clear and conspicuous. 

Lastly, I do not believe that I received adequate notice from the creditor regarding the status of the account, which is a violation of the Adequate Notice Law. I did not receive any communication or notification from the creditor regarding the impending charge-off, and I was not given an opportunity to rectify the situation before the charge-off occurred. 
Given these violations of federal law, I request that you investigate this charge-off and provide me with a detailed explanation of why it was reported. If it was indeed the result of violations of federal law, I ask that you remove it from my credit report. 

Thank you for your attention to this matter. I look forward to resolving this issue as soon as possible. 

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

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 




Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit B. RADIUS GLOBAL SOLUTION Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ) . 


The inaccurate reporting of both my account status and payment status by XXXX RADIUS GLOBAL SOLUTION Account # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Credit card or prepaid card

destiny genesis fs card services informed me I have a credit card with this company. I have never applied for this card. I did not find out about this until I applied for a car loan & it showed up on my credit report. I got in touch with this company & was told I need to file a fraud complaint with the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX  the natural person continue to be a victim of fraud upon the XXXX XXXX XXXX ( XXXX XXXX ), SALLIE MAE, XXXX STUDENT LOANS, AND US DEPARTMENT OF EDUCATION/XXXX all have unauthorized the use of my personal information, damaging and willingly, my character and privacy overall. I have sent in numerous complaints and fraud and theft reports regarding this matter and this loan servicer.. for the record XXXX XXXX XXXX XXXX XXXX XXXX ), SALLIE MAE XXXX XXXX XXXX XXXX, AND US DEPARTMENT OF EDUCATIONXXXX had no permissible purpose, thus my written consent to report on my consumer report, for the record. For the record, XXXX XXXX XXXX ( XXXX XXXX ), SALLIE MAE, XXXX XXXX XXXX, AND US DEPARTMENT OF EDUCATIONXXXX has been in investigation far over 60 days with the CFPB as well as third party credit bureaus such as XXXX and XXXX XXXX.XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX ), SALLIE MAE, XXXXXXXX XXXX XXXX, AND US DEPARTMENT OF EDUCATIONXXXX continues to appear and reappear, This is by far a violation of my Constitutional Rights. XXXX XXXX XXXX ( XXXX XXXX ), SALLIE MAE, XXXX XXXX XXXX, AND US DEPARTMENT OF EDUCATIONXXXX are accounts that have been opened fraudulently, thus without my written consent to report in regards to COLLECTION a debt pursuant to 15 U.S. Code 1681 B. | 15 .U.S . Code 1681 ( a ) ( e ). My Fourth Amendment right has been infringed on. I am not secure in my papers and I have not had any rights to privacy regarding these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX INFOROMATION is showing incorrect account in my profile they are reporting ( 3 ) Car loans to my name when there is only one, they are reporting a balance of {$8600.00} when the balance is {$7000.00}, XXXX XXXX XXXX XXXX XXXX was buy by XXXX XXXX and the same loan appears three times with three different balances, I have contacted XXXX XXXX and even made a complaint with consumer finance ( you ) and this still appears same account, same opening date wrong balance, EQUIFAX dont answer, the tools they offer to communicate dont work. My credit card are 0/0/0 well paid and they keep lowering my score all months.
Product: Checking or savings account

MidFirst Bank charged back {$260.00} to my company, which was a fraudulent charge back made by the customer. This amount also included a {$15.00} charge back fee. The customer XXXX XXXX reported to MidFirst Bank that the order she purchased was fraudulent. After I submitted proof to the bank along with her signature, phone number and email address informing them of me speaking with the customer they still processed a charged back. The customer have my product and now the funds, and then they have the nerve to charge me {$15.00}.
Product: Credit reporting or other personal consumer reports

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4800.00} XXXX XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4800.00}
Product: Vehicle loan or lease

I purchased a car in XX/XX/XXXX and made the 60 payments of {$500.00} so I paid over {$30000.00} for my car. My last payment was XX/XX/XXXX and they ( Capital One Auto Finance ) closed the online payment and said my auto loan was complete. Then they came after me for {$1100.00} and now {$1600.00}. I didn't know what they were referring to since I paid off my loan. Now they sent someone to reposes my car after I paid over $ XXXX. I called them to get them to stop and they refused. I wanted to know why I was being charge " fee 's '' and they said it was late charges. I told them I was not late that many times unless the fee 's were {$500.00} for being late. I tried to make payment arrangements I could afford and they refused to negotiate. I said they can't steal my car I paid for it. They said they have the title and could do what they want it is their car now. This is unethical and stealing they should not be able to get away with this
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect age of account on my profile incorrect of highest amount.its Also a data breach on my profile that I submitted a claim and havent heard back from the company Im always getting denied for credit its jus frustrating
Product: Debt collection

Wrongfully reporting Debts on my credit report without any notification that the debt was even owed. No calls, No Emails or No Postal Mail. Not only that, The debt doesn't even belong to me.
Product: Money transfer, virtual currency, or money service

on XXXX I sent a money transfer by Western Union to XXXXFrom pay okay if XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the same evening someone. a thief " received a refund of my money transfer in another location .in XXXX XXXX XXXXThe western Union failed to proper Identity. the recipient release my money transfer.. I complained to Western Union. There wasn't proper investigation done.Never received any explanation. Resolved of my case.
Product: Checking or savings account

I filed a dispute on XX/XX/XXXX for charges totaling XXXX and was given case number XXXX. I told chime these charges were fraudulent and that I was at work at the time these charges were made. I even called chime a day before the charge occurred to let them know my account had been compromised and they said they would cancel my card and send me out a new one. They did not cancel my card like they should have and that is when the fraudulent charges occurred. Ive filed 5 rebuttals and they keep denying my claim saying no fraud occurred. When I asked for the proof they used to come to the denial and they wont show me the proof all they keep sending me is the same documentation I sent them and then the claim form which is not providing me a valid reason as to why they denied my claim. These charges are fraudulent and I would like my money refunded as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 12 accounts on my credit report That I have been disputing since XX/XX/2020 I have sent police reports FTC and everything else which I cant upload now since I am using another computer and I dont have the files with me but nothing has been done by the bureaus I dont know how else to say THESE ARE NOT MY ACCOUNTS I HAVE NOT OPENED USED OR EVEN KNOW WHAT THESE ACCOUNTS ARE AND HOW THEY GOT ON MY REPORT. I am at my wits end and I dont know how else to come across to the bureaus but this is not fair and this extra stress is really getting to me I need help!!! 

Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX CARD Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit card or prepaid card

On or about XX/XX/XXXX, my Wells Fargo Cashback Visa Signature card 's limit was inexplicably dropped from {$9000.00} to {$2800.00} - which, at that particular time, was actually beneath the current balance owed ( approximately {$2900.00} ). This set me up to have to use valuable funds from a Wells Fargo serviced PPP loan due to the Coronavirus pandemic to make an emergency lump sum payment after deliberating and attempting to work it out with customer service ; I will explain in what follows how unethical I consider this situation, and what steps I reasonably expect to take if no action is delivered in a timely manner from Wells Fargo. 

I am a XXXX XXXX and ( XXXX  ) XXXX XXXX for a living, in multiple states but especially Arizona, where my accounts were originally set up. I have been with Wells Fargo for about 8 years as a long-term small business checking customer ; recently, due to the unfortunate events of the pandemic in 2020, I was forced to apply for life and business saving funds, which my local business banker ( XXXX XXXX ) graciously helped me connect with ; Wells Fargo is my PPP Loan servicer. My personal account, the Visa Cashback card, has been open for going on 6+ years, and I always make my payments on time. The card has also been fully paid off at least once in the past. 

Due to the dire financial situation created by the Coronavirus and shutdown / lockdown orders of the entire country, I was forced like many Americans to use ( some ) of my credit cards. My Wells Fargo Visa card 's balance was less than 30 % utilized by the end of XXXX, with a statement balance of just {$2300.00} ( again, out of a LOC of {$9000.00} ). 

I was so worried about the risk to my credit, by virtue of my limit dropping to beneath the current balance owed on XX/XX/XXXX, and actually ( instantaneously and without warning ) putting me OVER my limit, with no fault of my own having taken place, I was forced to make a lump sum payment beyond my minimum the following week, after efforts to reinstate my LOC clearly failed as indicated by letters sent by the bank. I was afraid of my FICO being negatively affected, and it almost certainly has been by Wells Fargo 's unethical Corporate behavior. 

I am offended as a long term customer, a small business customer, and someone who has received a PPP Loan serviced by Wells Fargo, and was forced to use part of that money not for my business, but for a larger payment on a personal credit card. 

I feel strongly I should bring this to the attention of the media and both traditional news outlets with which I have a relationship, and also my extensive social media network. After Wells Fargo 's account opening scandals of just 2 years ago, I feel it would be both in my and also the public 's best interest to do this, and I have every intention of doing so if a resolution is not reached. I am a XXXX XXXX especially in the context of what I do for a living, and have been interviewed previously with XXXX XXXX XXXX XXXX as well as sources in the XXXX Arizona area.
Product: Credit card or prepaid card

I have initiated disputes with AMEX about a moving company 's failure to look for appropriate repair shop to repair a piano damaged during the move. AMEX has closed a case XXXX prematurely based on response from the vendor. AMEX did not offer me an opportunity to rebut. 

When I started a new case XXXX to rebut, AMEX simply said it was not in their jurisdiction to resolve and then quickly closed it again. 

As of now, the piano is still not repaired by the vendor. The price I paid for the moving services was of premium services which included repair services.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the ( date of the Previous letter ). Ive already included this report in my previous letter & I am including it again. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This complaint is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/1982 SS # : XXXX Dear Consumer Financial Protection Bureau, I am writing to bring to your attention several serious violations of consumer protection laws that have significantly impacted my financial well-being and overall quality of life. I am seeking your assistance and intervention to ensure that these violations are rectified and to request the removal of unverified accounts from my credit report. 

I have recently become aware of numerous inaccuracies and violations that have appeared on my credit report, jeopardizing my financial stability and personal security. The violations I wish to address are as follows : FCRA Violation - Incorrect Personal Information 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  The implications of these violations are far-reaching and have caused me undue emotional distress and hardship. To illustrate the impact, I would like to share a personal story : For the past year, I have been diligently working to secure a mortgage for my first home. The dream of homeownership, something I've aspired to since childhood, finally felt within reach. However, the inaccuracies on my credit report have led to higher interest rates, stricter loan terms, and even the denial of mortgage applications. This heart-wrenching setback has not only shattered my dreams of providing a stable home for my family but has also put an immense strain on my mental and emotional well-being. 

Given the severity of these violations and their profound effects on my life, I kindly request your immediate intervention to enforce the relevant consumer protection laws. Specifically, I ask that you ensure the following actions are taken : Conduct a thorough investigation into each violation to verify their accuracy and remedy the inaccuracies.

In accordance with the FCRA, remove any unverified accounts from my credit report, including the accounts listed above. 
I am deeply grateful for your attention to this matter and your commitment to upholding consumer rights. Your intervention is my last hope in rectifying these issues and rebuilding my financial stability. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XX/XX/XXXX report there is a closed account with huge amount of missed payments. HYUNDAI CAPITAL AMERIC 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 HYUNDAI CAPITAL AMERIC has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Bank account or service

I responded to an on-line promotion by Regions Bank. There were problems that morning with Region 's web site, so I opened the account in a branch. A branch employee did not open my account correctly and now Regions Bank is not honoring the promotion.