23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfers

I attempted Western Union money transfer to another country ( XXXX ) using the service they call " WU Pay. '' This is an on-line billpay type transaction which Western Union advertises as allowing for funds to be obtained by receiving party in about 2 days. My account was debited on XXXX/XXXX/15 and as of XXXX/XXXX/15, my father was unable to obtain the funds. Multiple phone calls to Western Union were made with representatives assuring me that it had been cleared and the funds were available but he could not obtain the funds. On other occasions, I was told that there had been a hold on funds which was subsequently cleared but the recipient was still unable to receive the funds. I attempted to speak to supervisors but was told they were unavailable. My money is still being held by Western Union although they state they will refund it " after 5 business days. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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

For several years Equifax has been reporting inaccurate information on my credit report as it pertains to the XXXX XXXX XXXX in the handling of my student loans, not to mention of reporting the same loans more than once. My student loans are paid in full and is showing as delinquent and has an negative impact on my credit score and has been for years of not being able to obtain anything. In satisfaction for reporting this inaccurate and duplicating nightmare it will only be fair that Equifax delete this information from my report.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing XXXX XXXX for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX ( Original Creditor : XXXX XXXX  ) Account # 's XXXX, XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) Account # XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pull my experian report this week and i came acroos so many miss leading things on my report i have tried time after time to dispute to experian by mail cerfield mail and online disputes but no outcome just verfield from experian so i know its my right to get the facts here are the names are wrong on my credit report XXXX XXXX ... .. Here are wrong address on my report that i never stay at or live there XXXX XXXX XXXX XXXX XXXX  va, XXXX But its reporting on my credit report for some reason other address XXXX XXXX XXXX XXXX  va XXXX Acoounts thats on my report that are fruad XXXX XXXX ... Account # XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX  XXXX ... XXXX XXXX XXXX  XXXX .... These are all fraud accounts i have seen them delete 1 account by credit control but not delete the rest u all should delete all of the XXXX XXXX  accounts if u deleted the other ... Here are the inquires i did not approve on my credit report thats are fruad ... XXXX XXXX XXXX  ... XXXX XXXX XXXX  ... XXXX XXXX XXXX XXXX  ... XXXX XXXX ... XXXX XXXX XXXX   ... XXXX XXXX ... XXXX  XXXX  XXXX ...
Product: Checking or savings account

My account was charged an over draft fee even though i had sufficient funds in the account.
Product: Checking or savings account

Received a letter from XXXX XXXX and also credit monitoring alert account had tried to be set up in my name. Email from Truist Bank with account ending in XXXX had been set up in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

A Bank of America inquiry on XX/XX/2023 applying for a unlimited cash rewards visa signature card. Refer # XXXX. I didn't apply for this card.
Product: Checking or savings account

TCF bank has charged me {$1200.00} in overdraft fees in the last four months. The reorder of debit card transactions causes them to be able to charge several fees. Most banking institutions no longer practice this abusive way of taking advantage of their customers. XXXX  XXXX XXXX does not do this nor many large banks. I have been a customer for a very long time and do not want to have to switch all my bills and direct deposits around. I want my money back as this is extremely excessive!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit Bureaus. Stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is ground for removal they have also violated my rights under 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. 

Also the Credit Bureaus took more than 30 days to complete my investigation here is my Certified Mail Tracking XXXX  XXXX I have attached proof of my Certified Mail Receipt for Experian The account : XXXX XXXX # XXXX is still reporting on my credit report and this a violation of my consumer rights
Product: Credit reporting or other personal consumer reports

Ive recently received a copy of my credit report and Ive noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my XXXX and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I recently check my credit and seen accounts that I did not recognize. These accounts were : XXXX XXXX XXXX XXXX  XX/XX/2023, XXXX XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023, XXXX XXXX  XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XX/XX/2023, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 The Credit bureaus stated XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my writen instructions. 
I haven't given these accounts written permission to furnish these accounts on my credit report as well.
Product: Credit reporting or other personal consumer reports

Recently, I discovered that incorrect information remains on my credit report, even after multiple disputes. Despite providing the necessary documentation, TransUnion, XXXX, and XXXX continue to verify this inaccurate information. I have attached evidence that clearly demonstrates the errors. This ongoing failure to correct the discrepancies is a violation of the Fair Credit Reporting Act ( FCRA ), particularly section 609 and section 623, which mandate that only accurate and verified data should be reported.

I am requesting that this inaccurate information be removed from my credit report immediately. The failure to update or delete this false information is not only unfair but also a violation of my rights under federal law. Please ensure this matter is corrected without further delay.
Product: Mortgage

I have a mortgage with Select Portfolio Servicing Co. I have paid my escrow acct money toward ins. and taxes and the most recent escrow review has my mortgage payment {$300.00} more. Now I understand rises in insurance rates should have made my payment about {$100.00} more. But this company is charging me my normal escrow amount which should now be about {$360.00} plus {$300.00} more. I have called and each person is more nasty than the next. I am a low income XXXX XXXX XXXX and find it hard to believe that a mortagage company can just decide to charge escrow " in advance '' when that was not the policy in the past. This is not only unethical I can't believe it is legal? Please help, the extra {$300.00} a month is just not possible for me to handle. 
Thank you
Product: Debt collection

FTC theft report was sent. Ignored. 

I requested verification that I opened the debt, through a signed document or credit card receipt. XXXX  response was : " XX/XX/2019. As this application was submitted online, <b>there is no signed application to provide to you</b>. Through this application we verified your name, address, date of birth, and social security number based on your request to open the account. '' Your response states that the only proof you have is that someone used my information to open an account in my name. You also state that you do not actually have a signed application by me. 

Without a signed application or credit card receipt you do not have verification that I opened the account or that I spent money on the account ... other than circumstantial evidence ... but not actual evidence. XXXX  " evidence '' would not be permitted in a court of law, and should not be accepted as verification of the debt by anyone. 

Despite discovers investigation findings, without the proof that I requested, you can not actually verify the debt, because you do not have proof that i opened the account. 

Not only was I a victim of identity theft and fraud when the account was opened, but discover continuing to verify the debt to the credit bureaus, after receiving a ftc theft report, and after stating that they dont actually have proof that I opened the account is fraud against me and the credit bureaus. 

Please cease and desist all collection attempt of this debt from me, including but not limited to credit reporting. 

I have attempted to reach XXXX XXXX with discovers executive office repeatedly concerning this matter but he refuses to return my phone calls. 

I live and have lived in XXXX, Tx and not the address XXXX has as mine. My credit report shows XXXX area as my residence as a result of identity theft. Attached is a photo of my address from the state of texas.
Product: Bank account or service

Bank of America has been withholding XXXX {$100000.00} of transactions in our merchant account for our business, XXXX XXXX XXXX. 

Information was requested by their risk department ( XXXX XXXX XXXX ) regarding transactions, upon which we provided XXXX verbal confirmation and faxed in invoices and customer information. 

This department continues to request information which they already possess. Examples of this would be financial information ( they are a bank ; they have all my financial records ) and business venue information XXXX they already know the address, website url, etc which was provided when establishing our account. ) This is not only borderline harassment, but they continue to withold our daily disbursements from sales.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of an account from my credit report that has reached the seven-year mark, as required under the Fair Credit Reporting Act ( FCRA ), specifically Section 605 ( a ). The account in question is identified by the following details : Account Name/Issuer : XXXX XXXX Account Number : XXXX Under the FCRA, negative information, including accounts that have been charged off, settled, or are otherwise negative, can only remain on your report for a maximum of seven years. Given that this account has reached the seven-year threshold, it is my understanding that it is eligible for removal. Please investigate this matter and remove the account from my credit report as required by law. If you require any additional information to process this request, please do not hesitate to contact me. Thank you for your prompt attention to this matter. I look forward to receiving confirmation that the account has been removed in compliance with the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fact, the term consumer report as defined by 15 USC 1681 ( a ) ( d ) does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report and the reporting of these inquiries contains information that contributes to the alleged experience and transaction between I, the consumer and the creditor.

Fact, the term consumer report as defined by 15 USC 1681 ( a ) ( d ) does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device and the reporting of these inquiries violates this.

Fact, any consumer reporting agency may only furnish a consumer report in accordance with the written instructions of the consumer and I, the consumer, did not give any debt collector nor consumer reporting agency any written instructions to report these inquiries to any consumer report. 

As a consumer, and the original creditor I, XXXX XXXX, am seeking the following remedy from Equifax for these violations : The removal of the inquiries listed below XXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found, has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regards to this incident. PLEASE REMOVE THE FOLLOWING INQUIRIES THAT I HAVE FOUND ASAP. 

Inquiries EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

In XXXX of XXXX I received a debit card from Cash App. I am not Cash App customer and never signed up for an account with them. The only way to contact their customer service area is via their app. You can attempt to call their customer service area but you are only able to speak with someone if you are a current cash app customer. Other than that you can only reach out via social media. I was finally able to get in touch with them via XXXX. After several days and after I proved my identity by sending them a copy of my driver 's license they closed the fraudulent account. When I asked how this could happen they directed me to their terms and conditions which in essence states as long as someone provides an address they can receive a debit card from Cash App. They also directed me to XXXX. However the people who attempted to open the account only had a fictitious email address and my real home address so there was really no identity theft On XX/XX/XXXX I received another debit card from Cash App. I still do not have a cash app account. I attempted to call and contact but again because I do not have an account I had to reach out via social media ( XXXX ). They cancelled the account within 24 hours but when I asked to put something by my name so another fraudulent account was not open in my name I was advised this is not possible and again directed to XXXX How is it possible a company can issue a debit card in someone's name twice without verifying their identity? Then when I ask them to stop I'm told their is no way to stop it?
Product: Debt collection

I was the victim of abuse and financial exploitation of a vulnerable adult and several accounts were opened in my name while I was XXXX. Numerous attempts to have this account removed from all three credit bureaus has been made, but the account holders continue to attempt to collect the debt despite knowing the items are the direct result of domestic XXXX and the abuse of a XXXX individual as documented in XXXX reports. I have had to flee XXXX miles with my XXXX child and these issues are hindering my ability to house my XXXX child and obtain services for him. I have no support system in this area that I was forced to move to for safety and it is imperative these issues be addressed and removed immediately. The proper law enforcement ( XXXX ) forms and FTC reports have been provided, yet the account holders continue to verify the information is " accurate '' and " updates '' it to keep it on the report. Several agencies realize that the accounts are legitimate fraud, and continue to sell or resell the accounts nearly monthly as they know the monies are not recoverable legally. Please remove these accounts from all three reports as I am not legally responsible for them as I was medically incapacitated/under duress during the time of the purchases and can not be held liable, and the documented victim of financial exploitation.
Product: Money transfer, virtual currency, or money service

Bank of America Merchant Services is holding my paycheck in the sum of {$7800.00} dollars XXXX. 

On XX/XX/2019, I successfully completed a transfer of funds with my customer, XXXX XXXX, in the sum of {$7800.00} dollars. 3 business days later, when I still did not have funds on my account, I called BoA Merchant ServicXXXX representative : XXXX XXXX XXXX of Bank of America XXXX XXXX branch, XXXX XXXX of BoA XXXX, Texas. Both informed me that there is a security issue with my money, because it is more than a {$7000.00} dollar transfer. 

Background information : When I opened my Merchant Services account, I informed Bank of America that I will be transferring between $ XXXX {$10000.00} at a time from my customer. 

Back to the problem, BoA security department flat out LIED to me that the maximum agreed amount is {$7000.00}, and therefore, they are withholding my money from me. I spent over 3 hours on the phone with them, where, after a lengthy investigation they verbally confirmed that I was indeed correct, and they were at fault, and assured me that with the issue now resolved, the funds will be available for me at the latest, Monday, XX/XX/XXXX. It is now Wednesday, XX/XX/XXXX, and I still do not have any access to my money. 

To add to the insult, yesterday, XX/XX/XXXX, I received a XXXX Priority Overnight letter from Bank of America that was sent out on Monday, XX/XX/XXXX, that stated : " We have attempted to contact you several times to discuss the ( issue ), but have been unable to connect with you, '' this is a complete LIE. No one has EVER attempted to contact me via both phone and email. ALL of the phone calls pertaining to the matter I made MYSELF, and spent several hours on the phone with them resolving this issue. 

The letter goes further saying that : " funding to your settlement account is being held by the Security Department until we hear back from you ... '' again, a total lie because all was verbally " resolved '' on Thursday, XX/XX/XXXX. And it ends with " we have the right to suspend credits to your settlement account ''. The letter was signed by XXXX XXXX, a Credit Risk Monitoring Analyst, and was dated XX/XX/2019, while being sent a week later, priority overnight, conveniently on the very date the bank was supposed to release my money. They are clearly lying to me. 

After receiving this letter on Tuesday, XX/XX/XXXX, I called all the aforementioned representatives and their supervisors, left messages, and have not heard back from a single person. They are avoiding and ignoring me, and I do not see my paycheck! 

This paycheck not only belongs to me, but I am under contractual obligation to disperse a portion of the funds as a finder 's fee payment to the recruitment agency which has placed me with the customer. Bank of America has stolen my money, and are full of nothing but lies and are totally avoiding the resolution to the issue. I do not know what else to do.