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

we sent a wire on XX/XX/2021 for {$60000.00} dollars to our supplier in XXXX XXXX, XXXX have sent them over the years hundreds of wires, this particular one was never delivered to them since then, we have contacted our bank numerous times, finally back in XX/XX/2021 HSBC bank who is the reciver bank requested more info, we provided everything immediately but neither us or our bank XXXX bank have gotten no reponse,, we finally decided just to call back the funds in XX/XX/2021, and even with that no response, the reciver has gotten in touch with HSBC XXXX XXXX but they are sayin g HSBC usa must answer, we are stuck and need help, ive attached the original wire documents and i will povide all reference numbers, reference # on the recall XXXX original transaction number XXXX original reference numer XXXX
Product: Debt collection

I had recently submitted a complaint in regards XXXX XXXX for an collections account of {$370.00}. The collection company did not resolve my request. Since then they have illegally re-aged and reopened the collections account as of XXXX XXXX, 2017. The account status was closed and marked as a charged off account for the past couple of months. They had threaten me in the past about how they were going to damage my credit and the recent reopening/re-ageing of the closed account which has significantly hurt my credit score in the past week supports my claim of their harassment and illegal practices of bullying consumers. I have taken picture and attached it to this complaint of the account status as of XXXX, 2017 and as of XXXX XXXX, 2017. The change in the account status occurred after I submitted my initial complaint which leads me to believe they purposely and illegally re-aged/reopened this account to hurt my credit score. I feel bullied and treated without any respect. Because of their unethical and illegal practices good/hardworking people like me suffer and our progression towards a stable financial future is impeded.
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I would like to request for XXXX XXXX to remove this account from all credit bureaus ( XXXX, XXXX & XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX DISCOVERBANK XXXX XX/XX/22 RE. We have disputed this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Credit Bureau is reporting several collection against my social security number. I requested full debt validation three times and This company have fail to provide any proof that debt was validated and verified. 
The following account have not been validated 1.XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX 2. XXXX  charge off
Product: Checking or savings account

Citizens bank keeps taking small amounts from me without my authorization they think I dont notice and make me believe I am wrong.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Equifax credit reporting agency , block information appearing on my credit report that is the results of Identity theft, Equifax data Breach and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, EQUIFAX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Money transfer, virtual currency, or money service

Dear Madam/Sir, I'm contacting this federal agency because of what I believe to be mismanagement and lack thereof control of private keys regarding digital asset securities known as cryptocurrency wallets. There was a mismanagement of my personal property of XXXX ( a stable coin cryptocurrency that can redeem at XXXX with USD ). Kraken blatantly withheld my funds amounting to roughly {$52000.00} on their cryptocurrency exchange ( Owned by Payward Ventures Inc. ). The SEC has stated that digital asset securities like bitcoin must be able to prove and provide full control and responsible management of private keys and wallets in the handling of private funds. I sent a BEP-20 token to my ERC-20 wallet address that they provided me on my Kraken account on 'www.kraken.com ' around XXXX XXXX, XX/XX/2021 from XXXX , another cryptocurrency platform. I have a confirmation transaction address on XXXX XXXX XXXX to confirm that the funds were deposited in the BEP-20 address Kraken assigned me at that time. The funds never showed up in my Kraken account and I opened a support ticket with Kraken asking for the reversal or recovery of my funds. They told me it's impossible to recover essentially due to their poor choice of smart contract ERC-20 addresses that don't have private keys. I went to their Kraken XXXX support page to see if anyone had the same issue, and many ppl are having the same problem before I did. Some even have been waiting months or even years to get a response back from Kraken. Kraken didn't do anything to mitigate this pain from their customers despite so many unfortunate precedents. I contacted XXXX and XXXX told me that Kraken had previously refunded customers who got into the same situation. However, so far, Kraken has shown no willingness to help me whatsoever. This is not a small amount of money, it was my 3 years of saving. The negligence and lack of care Kraken has shown to a situation that was caused by their poor management and choices of the solution are at least unethical. 

Please help me with this. 

Best regards, XXXX
Product: Credit reporting or other personal consumer reports

I contacted XXXX and submitted Legal documents that my XXXX XXXX account should not be reported on my credit. The property is owned by a XXXX and I no longer have ownership. I requested that they remove the account from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the presence of fraudulent items on my credit report and to request their immediate removal. These fraudulent entries are inaccurately reflecting my credit history and causing undue harm to my financial standing. 

Upon reviewing my credit report, I discovered several unauthorized and fraudulent items, including [ describe the fraudulent items in detail, such as unauthorized accounts, inaccurate information, etc.. I want to emphasize that I did not initiate or authorize any of these transactions, and they are therefore fraudulent and erroneous. 

I understand the importance of accurate credit reporting and the impact it has on my ability to access credit and financial services. Therefore, I urgently request that you take immediate action to remove all fraudulent items from my credit report. Specifically, I request that you : Conduct a thorough investigation into the fraudulent items in question. 
Remove the fraudulent items from my credit report without further delay. 
Provide me with written confirmation once the fraudulent items have been successfully removed. 
I am enclosing supporting documentation, including any supporting documents provided, to assist in your investigation and expedite the removal process. 

I expect a prompt and satisfactory resolution to this matter. Failure to address this issue promptly will leave me with no choice but to escalate my complaint to higher authorities and seek legal remedies to protect my rights under the Fair Credit Reporting Act. I am asking for your assisstance to remove these fraud items in my credit 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
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 XXXX XXXX which is a fraudulent account and should be deleted immediately
Product: Credit card or prepaid card

On XXXX I logged into online banking and see a higher than expected balance. I discover charges not authorized by me. They posted on XXXX ; the are vimbly {$140.00}, XXXX XXXX texas {$45.00}, the stereo shop {$1000.00} and there was a lowes.com charge for $ XXXX. Once I saw that, I called the bank and notified them these were not authorized. They took those 4 and flagged them, and issued a fraud dispute credit for those. Few days later I check again and I see the XXXX charge never left pending and then just dropped off, they must have caught that fast enough to not process. So somehow a XXXX in store charge of {$56.00} completed on XXXX was then flagged as fraudulent and was given {$56.00} in credit on XX/XX/XXXX. I realized that it was incorrectly labeled as fraudulent, and spoke to a fraud specialist, notified them the {$56.00} was valid and they took that as all the charges were approved. I called again explaining this and was told they see what happened and reopened the claim, called again today XX/XX/XXXX as the claim was still listed as resolved and still have the fraudulent charges and finance charges applied to my account. I was informed that the case will be reopened today and will take 45 days to reach determination. Meanwhile the first time the case was opened I was credited the next day.I
Product: Credit card

In a previous complaint this company responded with the below regarding notice : We mailed you separate and unique validation letters on XX/XX/XXXX, for account no. XXXX, and on XX/XX/XXXX, for account no. XXXX. 

Please provide the proof of notice, perhaps with a return receipt mailing that I signed. I did not receive notice that is supposed to be given by law for either account. You have violated my right to notice and have negative information on my credit reports without being able to provide proof of notice. Also, please provide itemized statement of accounts to included charges, payments, credits, fees, etc. to present date of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a victim of id theft. these items do not belong to me due to fruad XXXX   XXXX XXXX/XXXX XXXX  opened XXXX XXXX {$1900.00} XXXX  XXXX opened XXXX XXXX XXXX XXXX opened XXXX XXXX {$8700.00} XXXX opened XX/XX/2010 {$4700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two credit inquiries with Bank of America that I do not recognize. I tried to dispute the information with XXXX, XXXX, and XXXX but I was told that I would need to reach out to Bank of America myself and I did but since I do not have an account with them I was not able to get an agent on the phone. I noticed two separate inquiries were done with out my consent. One on XX/XX/2022 and another on XX/XX/2022 both with Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX XXXX. I spoke with the lady at the bankruptcy court because my credit also has a banktupcy on there thats not mine. She clearly stated that there is no bankruptcy in their court system so please tell me how this happen. I am doing this on my own behalf and really need someone to help me with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an unauthorized inquiry on my credit report made by XXXX XXXX on XX/XX/16 that does not belong to me. I have spoken with the creditor who claims I must contact the credit bureau. When I speak with the credit bureau, I am told to speak with the creditor. This inquiry does NOT belong to me and is adversely affecting me.
Product: Credit reporting or other personal consumer reports

TRAFFICKING VICTIMS LETTER TO CONSUMER REPORTING AGENCIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Trafficking Block Request Dear Sir or Madam : I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

[ Identify item ( XXXX ) resulting from trafficking that should be blocked, by name of the source ( such as the credit card issuer or bank ) and type of item ( such as credit account, checking account, criminal conviction, utility account, etc. ) US DEPT OF ED XXXX XXXX account # XXXX {$4500.00} XXXX XX/XX/XXXX XXXX DEPT OF ED XXXX XXXX account # XXXX {$1600.00} opened XX/XX/XXXX XXXX DEPT OF ED XXXX XXXX account # XXXX {$5800.00} XX/XX/XXXX UPDATE PAYMENT HISTORY TO CORRECT STATUS paid in full without any late payments 15 USC subsection 1666b TIMING OF PAYMENTS if you are unable to do that Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 

Sincerely, [ XXXX XXXX ] XXXX XXXX
Product: Checking or savings account

Chase bank ( JP Morgan ) is the bank i am filling this complaint against. 

On XXXX XXXX, XXXX, I did a quick pay transaction to XXXX via XXXX in the amount of {$1700.00}. the money was intended to pay for a car XXXX posted on XXXX for sale. After purchasing the car with {$1700.00} the paper work for the car XXXX gave me, i.e., a Marshal 's Certificate of Sale of a Motor Vehicle, to register the car was denied by Motor Vehicle ( DMV ). I started calling XXXX to get my money back since i could not register the car, since the chain of title was not proper. i called for more than 24hours, but he never picked up. Then i called Chase bank to report a fraudulent transaction. Chase then froze XXXX XXXX account. XXXX called me back immediately asking me why i called the bank to dispute the {$1700.00}. I let him know it was because he sold a car with deficient documentation. About 3 days later Chase bank credited my account with the {$1700.00}. XXXX text me saying since the money was returned to me by chase, he wanted to come picked up the car from my garage. i agreed. XXXX came and pick up the car. After XXXX picked up the car i called chase bank 's claim department to let them know XXXX XXXX picked up the car. I told XXXX the transaction with XXXX was over. XXXX said since i got my money back, was there any reason to continue the investigation. i said no, then they said i should put it in writing and fax it to them through any of there Chase Branch, then they gave me access to my account which has the {$1700.00}. 


On Tuesday, XXXX XXXX, XXXX, Chase bank reversed the {$1700.00} back to XXXX XXXX. When i questioned Chase bank about the reversal of funds, Chase said they did that because they determined the transaction was not fraudulent.I called XXXX on Tuesday, he did n't pick up my calls. When i called him from a different number, he answered the phone, but once he knew it was me he hung up the phone. i disputed the reversal of funds ( {$1700.00} ) with chase bank, but Chase refuses to restore the {$1700.00} to my account. i did not receive any notice from Chase that it was going to reverse the funds. attached are the text messages that shows XXXX took his car back when Chase bank initially credited my account. 


Thanks XXXX XXXX
Product: Debt collection

The department of education has breached the contract I had with them. NELNET gained access to my personal information. NELNET has presented itself as a government agency. NELNET is still violating the Fair Credit Reporting Act, Fair Debt Collection Practices Act, discloser and privacy laws enacted by congress, along with laws and provisions as addressed in my federal complaint. I have never had a contract with or entered into a payment agreement with NELNET. Their dispute is with the federal agency who they entered into a contract with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have significant concerns about the XXXX and Bank of Americas new policies regarding transactions related to firearms. I have accounts with both banks, and am inclined to cancel them. I am especially concerned with increased scrutiny on law-abiding businesses in the constitutionally protected firearms trade. 

My transactions have apparently been reported in some way, and it is affecting my health care licensure and professional position. My employer has asked for explanations of specific transactions that had to have been reported by either XXXX or BoA. 

It feels like yesterday when XXXX and BoA received nearly a trillion dollars in taxpayer-backed guarantees and cash after putting the entire financial system at risk. This was the single largest government bailout in American history. 

I am tired of law abiding citizens being targeted for the actions of criminals. I hope that you will use your influence to put a stop to it. 

This particular instance seems illegal on its face.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the credit Reporting act XXXX Account # XXXX And also XXXX has violate In Accordance with the credit Reporting act XXXX  Account # XXXX has violated 15 U.S.C 1681 section 602 A. states 1 have the right to privacy 15 U.S.C 1681 section 602 A. states 2 It also states a consumer reporting agency can not finish a account with out instructions
Product: Mortgage

Freedom Mortgage raised my payment XXXX XXXX They said was because I needed an escrow cushion, now I don't pay taxes so they can't raise and my insurance just went down. I pay extra on my payments so why do I need a cushion. They say I'm short by XXXX minimum balance of XXXX, required minimum balance of XXXX. Now in 14 yrs I've never needed a escrow cushion. I haven't had problems like this since XXXX XXXX but those got straightened out.I don't lie I don't steal and I don't cheat. I will not stop I will not quit until I get this straightened out.I will be talking to that broker who hooked me up with freedom mortgage and the Attorney General I'm coming..
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$17000.00}, {$7500.00}, {$13000.00}, {$960.00}, {$30000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- OPEN ACCOUNTS -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$17000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7500.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$13000.00} -This is not my account. 

-- CLOSED ACCOUNTS -- 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$960.00} -This is not my account. 


-- AUTO ACCOUNT -- 5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$30000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my credit reports dated XXXX/XXXX/XXXX. XXXX XXXX XXXX has an account listed with all three credit bureaus with incomplete and or inaccurate information. They are all listing incomplete account number, all three have different account status listed. One shows with Experian closed/current/paid last updated XXXX/XXXX/XXXX, another with XXXX closed/derogatory/placed for collection updated XXXX/XXXX/XXXX, and the other XXXX closed/delinquint updated XXXX/XXXX/XXXX. I have disputed this account and it does not show my dispute on the credit reports. Two have the same phonenumber and address for the company listed the other one shows a totally different address and contact number. My disputes came back as verified. How can they come back verified if they are all showing different statuses. 
Thank You for Your Time
Product: Credit reporting or other personal consumer reports

Over the past two years, my credit rating has dropped XXXX points due to a poor rating from Navient Student Loans, now Aidvantage. In XXXX, during the XXXX pandemic, when my student loan payments were suspended by the federal government, XXXX reported XXXXhe following monthly payment to XXXX, XXXX and XXXX as late/deliquent : XX/XX/XXXX ; XX/XX/XXXX : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. To correct this error, I contacted Navient/Aidvantage by phone XXXX XXXX, XXXX to have the incorrect information remove. I was informed by a XXXX representative that I had to contact the 3 credit bureaus, as XXXX took no responsibility for the misinformation. Therefore, on XXXX XXXX, XXXX, I filed online credit report complaints with XXXX, XXXX and XXXX. About 5 days later, the 3 credit bureaus informed me by email that the erroneous information would not be removed because it was reported to the bureaus by XXXX. Therefore, I was instructed to contact XXXX to have the incorrect information removed. However, as stated previously, I had already contacted XXXX before filing online complaints with the 3 credit bureau. Essentially, the 3 credit bureaus and XXXXAidvantage are not taking responsibility for the incorrect information that dropped my credit rating.