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

I am writing to formally dispute several unauthorized inquiries and a collection/charge-off entry that have been reported on my credit file. These entries are not only inaccurate, but they are also causing significant harm to my credit profile and financial health. The unauthorized inquiries were made without my consent or knowledge, and the collection/charge-off entry is not reflective of my actual credit history or payment behavior.

As a result, these errors are negatively impacting my credit score, which in turn is affecting my ability to secure credit, loans, and other financial opportunities. The presence of such inaccurate information is not only a violation of my rights as a consumer but also a direct threat to my financial stability. I kindly request that these entries be thoroughly investigated and removed from my credit report as soon as possible to restore the accuracy of my financial records.
Product: Checking or savings account

On XX/XX/XXXX, at XXXX XXXX received a phone call with caller ID " Wells Fargo. '' The call was to verify an ATM {$300.00} withdraw transaction that happened in XXXX, TX. What was supposed to be a Wells Fargo fraud prevention agent, claimed to have cancelled my debit card and mailed me a new one. He also tried to " verify '' my card number and the three digits on the back of my card. He then sent a pin to my phone so he could have accessed to handle everything. He then said he changed my password and I need to reset it. I went by my day and two hours later I get a notification from my bank that I've reach my total withdraw limit from bank account. 
At this time I had not yet created a new password, I manage to login to see that two transfers were made from my checking # 2 to my main checking account, one for {$5000.00} and {$1000.00}. My main checking account had a total of 11 transactions made from atms and XXXX  around XXXX, TX that accounted for a total {$5600.00}. I live in XXXX, TX, and have not been in XXXX in lover 10 years. 
I filed a fraud claim with my bank and their final decision was to deny my claim due to what they think " insufficient evidence. '' Since I had my physical card with me, they claim that those transactions were made by when they weren't. The whole day I was trying to get rest for my 12 hour night shift while this was happening. I did not authorized any of these transaction and my bank refused to refund my total amount of money.
Product: Credit reporting or other personal consumer reports

The consumer reporting agencies, along with the so-called " creditor, '' have unlawfully provided my information without obtaining my written consent, as explicitly required by 15 USC 1681B of the FCRA. It is imperative that you understand that I do not consent to the unauthorized furnishing of any of my information by any means, as delineated by my rights under the FCRA. 
Furthermore, in light of the provisions stated in 15 USC 1692a ( 2 ) of the FDCPA, it is evident that the transmission of information regarding a debt, directly or indirectly, through any communication medium constitutes a " Communication. '' As per the literal interpretation of " any medium, '' this encompasses various forms of communication, be it oral, written, electronic, or others. Therefore, the act of furnishing my consumer report, which contains information about the alleged debt, constitutes a " Communication '' under the FDCPA. In accordance with my rights outlined in 15 USC 1692c ( c ) of the FDCPA, I hereby provide you with formal notice to immediately cease all further communication pertaining to these accounts. This includes, but is not limited to, any form of contact such as telephone calls, emails, social media interactions, or any communication made through a Consumer Reporting Agency. 
Please be advised that any continued contact or communication from your company or its agents, except for a communication acknowledging receipt of this letter, will be viewed as a violation of the FDCPA. It is crucial that you take this notice seriously, as I am fully prepared to exercise my rights under the law. 
Failure to respect this cease-and-desist notice will leave me no choice but to pursue legal action against your company. Please understand that in any ensuing legal proceedings, I will seek all available remedies and potentially claim damages allowed under the FCRA and the FDCPA. 
I urge you to promptly address this matter and comply with this cease-and-desist notice to avoid the need for further legal intervention. I kindly request a written acknowledgment of receipt of this letter, along with your commitment to comply with the instructions provided. Accounts listed below : WELLS FARGO 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 following inquiries were not initiated or authorized by me. Please remove from my consumer report. Listed below XXXX XXXX XXXX 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: Checking or savings account

Hello, On XX/XX/2018, I made two identical wire transfers of $ CAD XXXX each from my companys bank account in XXXX to my wife and my personal accounts at XXXX and Capital One in the US. The two transfers were made in interval of several minutes. 

To my surprise, the amounts in USD which were received at each bank were entirely different. In XXXX, I received USD XXXX, which was calculated at the currency exchange rate of XXXX XXXX/USD. In Capital One, I have received USD XXXX, as the conversion rate they used was XXXX. So the difference was nearly {$3000.00} for two identical transactions of foreign exchange conversions made at the same time. Please see the attachments showing the two transfers. 

While understandably it is likely to have differences between two banks rates, the difference was substantial. I looked at rates range on XX/XX/XXXX, and could see that the lower rate that day was XXXX. Please see : https : XXXX I have therefore approached my local Capital One bank, who contacted their wire department for further explanation. The answer I was provided is that Capital One set their own rates which are unrelated to the trading day rates! I was very unhappy with this answer, and filed a complaint at Capital One Customer Care. I have explained that when a person makes an international wire transfer, he can reasonably expect to have the funds converted into local currency based on a trading day range ( even if it would be the lowest rate on that day ). However, Capital One used a considerably lower rate to convert my CAD to USD XXXX vs XXXX ( the day lower rate ), which it has determined arbitrarily. 

The response I have received from their Customer Care department was the same as the one I received from the wire department Capital One uses their own rates, and that the rate they used was correct. I responded that doing this intentionally is even worse the bank knowingly overcharges its customers when converting funds from other currencies. 

I therefore believe this is a very unfair and unlawful behavior of a bank to determine their own rates regardless of the days market rates. This behavior resulted in a loss of nearly {$3000.00}. 

I hope you are able to assist. 
XXXX XXXX
Product: Mortgage

My Mortgage was due to be paid in XXXX. I had a Tax bill issues XX/XX/XXXX that had a due date of XX/XX/XXXX to be paid out of Escrow. There were sufficient funds for this bill. As previously discussed with a Wells Fargo Mortgage specialist I arranged that I would call XXXX to expedite the payment of the Tax bill in order that I could get a Final Payment Quote and make the final mortgage payment. Wells Fargo would then forward the Escrow balance to me. 
I discovered today that Wells Fargo used funds from MY Escrow account to pay off my Mortgage on XX/XX/XXXX, which is 23 days early. I gave no such permission for Wells Fargo to use my Escrow funds in this way and they did not contact me to ask permission or tell me that they had no intention of paying the Tax Bill on my behalf. They are also arranging to mail me a check for the balance of the Escrow amount 15 days from the date of pay-off. Had I not chosen today to contact Wells Fargo, as previously discussed with the bank I would have been unaware of the situation and could have defaulted on my Tax Payment. I have now had to contact the County Auditor to have a copy of my Tax Bill mailed to me so I can make the payment on time. 
I have always understood that an Escrow account was the property of the customer, and the funds were managed by the loaner to pay bills from agreed sources and when necessary refund any balance to the customer. My Escrow funds have been misappropriated to pay mortgage payment early ( over 3 weeks early ) whilst neglecting to do anything about a bill that they were contracted to pay.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am reaching out in desperation regarding the bankruptcy on my credit report, which has made it impossible for me to secure housing. Despite having taken steps to move forward, this bankruptcy continues to haunt me, blocking every attempt I make to find a place to live. 

Each rejection I face due to this single mark on my credit report feels like a blow, deepening my sense of hopelessness. I feel trapped, with no way to escape the shadow of this financial mistake. This situation has left me feeling overwhelmed and defeated, as I can not find stable housing due to this bankruptcy. 

I urgently ask for your help in reviewing my case and determining if there is any way to mitigate the impact of this bankruptcy. My ability to find a safe and stable home depends on it. 

Thank you for your understanding and assistance.
Product: Credit reporting or other personal consumer reports

Date Submitted : XX/XX/XXXXXXXX  The incorrect account with XXXX XXXX XXXX XXXXthat starts with XXXX has not been changed and will remain on your credit report. {$4100.00}. NOT MY ACCOUNT Date Generated XX/XX/XXXX XXXX XXXX XXXX {$1600.00} written off. This item was updated from our processing of your dispute in XX/XX/XXXX. 
XXXX XXXX XXXX {$2200.00} written off. This item was updated from our processing of your dispute in XX/XX/XXXX. NOT MY ACCOUNTS Submitted XX/XX/XXXX. Completed XX/XX/XXXX. NOT MY ACCOUNT Date Opened XX/XX/XXXXXXXX  {$21000.00} NOT MY ACCOUNT Date Opened XX/XX/XXXX {$3900.00} NOT MY ACCOUNT Date opened XX/XX/XXXX Balance {$4100.00} NOT MY ACCOUNT Date opened XX/XX/XXXX Balance {$3900.00} NOT MY ACCOUNT Date opened XX/XX/XXXX Balance {$1100.00} PAYMENT NEVER LATE
Product: Money transfer, virtual currency, or money service

Securities and Bank Fraud Narrative XX/XX/2021 I was contacted by a Broker named XXXX XXXX from XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NY XXXX, at telephone number XXXX who told me that I had available 86 shares with XXXX XXXX XXXX related to a time share I purchased with them in XXXX. It was explained to me that XXXX XXXX XXXX was buying back outstanding shares in the company in order to abide by a FEC requirement for them to go public. I was told each share was worth {$1800.00} for a total of {$150000.00}. I later was told that I had an additional 68 shares equaling {$120000.00}. Mr. XXXX said he had been contracted to liquidate these shares. 

Mr. XXXX told me to contact XXXX XXXX at XXXX XXXX of the United States, XXXX XXXX  XXXX XXXX, XXXX XXXX, NY XXXX, telephone number XXXX. I was told that XXXX XXXX was the XXXX XXXX  contracted to complete this shares liquidation. Mr. XXXX told me I needed to deposit 5 % of the liquidated share value to open a brokerage account for a total of {$14000.00}. I wired the initial 5 % from my Bank of the West account to a XXXX account with routing number XXXX. The account recipient XXXX was in the name of XXXX XXXX XXXX  XXXX XXXX, a XXXX Investment and Brokerage company. All of these institutions have internet presence when XXXX. They are registered with the state of New York or Delaware. The name of the bank manager was XXXX XXXX. I also spoke with him several times. 

After I opened this account with XXXX XXXX, I was given an account number connected to an on-line portal at which I could see the money from the liquidated shares deposited into my account along with my initial 5 % deposits. I was later told I needed to pay for additional taxes for the total amount before the funds could be released into my personal banking account. This tax was for {$42000.00} and was to be paid to the U.S. and XXXX Governments. I was told that this tax percentage was determined from the Tax Cuts and Jobs Act ( TCJA ) regarding repatriation of offshore funds back into the U.S. 


When I could not come up with the additional funds I did more investigation and a lawyer associate mentioned a new scam involving time shares which fit what I was subjected to. I looked further into this and discovered that other people had met with similar scams but the broker and bankers had different names. I then filed several complaints to various agencies including XXXX Police Department, California Attorney General, New York Attorney General, Federal Trade Commission, The Justice Department s IC3 Internet crime department and Securities and Exchange Commission. 

To date, the website for XXXX XXXX XXXX XXXX XXXX has been taken down.
Product: Mortgage

XX/XX/XXXX and XX/XX/XXXX after making a payment to be applied to my mortgage I get these messages that state : On XX/XX/XXXX, $ XXXX was received for PNC mortgage ending in XXXX. Funds intended as a mortgage payment are applied when a full monthly payment is received. 

And it's my understanding the according to regulation the payment must be applied when received. 

https : //www.consumerfinance.gov/rules-policy/regulations/1026/10/
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed hard inquiries on my credit file that were not made by me. After 30 days Equifax sends me results back starting that these where actual and would remain on my report for 2 years. I then called Equifax to have these removed the rep I spoke with informed me that they dont actually look into Hard inquiries and have no way of actually deleting them. And I would need to call the company that did pull my report. However I feel this is the responsibility of the CB to do so and they lied and said they investigated it but didnt. 
I need these inquiries removed from credit file
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the completeness, maximum possible accuracy, and integrity ( XXXX ) of the information contained in my consumer report that your agency has furnished. In the credit world, XXXX refers to the standard that consumer reporting agencies must upholdensuring that all data reported is Complete, Meets the highest level of possible Accuracy, and maintains its Integrity as required by federal law. Pursuant to 15 U.S.C. 1681i ( a ) ( 5 ), inaccurate, unverifiable, or incomplete information must be deleted immediately. TransUnion, as a consumer reporting agency ( CRA ), is strictly liable for ensuring compliance with the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my consumer file, I have identified inaccuracies and inconsistencies that fail to meet the legal standards of completeness and accuracy under 15 U.S.C. 1681e ( b ). The law mandates that all information contained within a consumer report must be reported with the " maximum possible accuracy, '' and any deviation from this requirement is a clear violation. Furthermore, under 15 U.S.C. 1681c ( a ), obsolete information or data that does not comply with statutory limitations can not be legally reported.

I demand an immediate and thorough reinvestigation of my consumer file under 15 U.S.C. 1681i ( a ) ( 1 ). If TransUnion can not verify the disputed accounts beyond a reasonable doubt, they must be deleted without delay per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). Simply " parroting '' information from data furnishers without an actual independent verification constitutes willful noncompliance, as affirmed in XXXX XXXX TransUnion XXXXp., 115 F.3d 220 ( 3rd Cir. 1997 ). 

Additionally, if TransUnion is reporting accounts or information obtained from sources such as XXXX, XXXX, or other third-party data aggregators, I demand disclosure of the exact method of verification pursuant to 15 U.S.C. 1681g ( a ) ( 2 ). Any failure to provide a proper verification method renders the data unverifiable and mandates its immediate removal.

Failure to comply with my demand will be deemed a willful violation under 15 U.S.C. 1681n, making TransUnion liable for statutory and punitive damages. Should this matter not be resolved within 30 days from receipt of this notice, I will explore all legal remedies available, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office.

Please provide written confirmation of the deletions within 30 days to remain compliant with the statutory timeframe.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : TransUnion : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX CHILD SUPPORT ENFORE XXXX  Balance {$12000.00}, XXXX XXXX XXXX  Balance {$190.00} XXXX : XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, ATTORNEY XXXX XXXX Balance {$12000.00}, XXXX XXXX XXXX Balance {$64.00}XXXX XXXX XXXX XXXX  Balance {$64.00}, XXXX XXXX XXXX  Balance {$64.00}, XXXX XXXX XXXX Balance {$340.00}, XXXX XXXX XXXX Balance {$64.00}, XXXX XXXX XXXX Balance {$57.00}, XXXX XXXX XXXX  Balance {$1800.00}, XXXX XXXX XXXX XXXX$670.00}, XXXX XXXX XXXX Balance {$4400.00}, XXXX XXXX XXXX  Balance {$700.00}, XXXX XXXX XXXX Balance {$1900.00}, XXXX XXXX XXXX Balance {$190.00}, XXXX XXXX XXXX Balance {$1300.00}, XXXX XXXX XXXX Balance {$1900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN A VICTIM OF FRAUD FOR YEARS AND HAVE A FRAUD ALERT ON MY XXXX CREDIT BURIALS I HAVE FOUND WRONG SOCIAL SECURITY NUMBERS WRONG NAME AND COLLECTION ACCOUNTS THAT DO NOT BELONG TO ME. 

MY NAME IS XXXX XXXX XXXX MY SOCIAL IS XXXX DATE OF BIRTH IS XX/XX/1982 ADDRESS IS XXXX XXXX XXXX XXXX # XXXX XXXX FL XXXX PHONE NUMBER IS XXXX THERE IS ON MY XXXX REPORT ERRORS PROFESSIONAL DEBT THAT DOES NOT BELONG TO ME XXXX XXXX XXXX DOES NOT BELONG TO ME XXXX XXXX  DOES NOT BELONG TO ME I WOULD LIKE THIS CORRECTED AS IT IS AFFECTING MY CREDIT AND MY FINANCES ON XXXX THERE IS ERRORS TOO XXXX XXXX XXXX DOES NOT BELONG TO ME ON TRANSUNION THERE IS ERRORS TOO XXXX DOES NOT BELONG TO ME PROF DEBT DOES NOT BELONG TO ME
Product: Mortgage

On XX/XX/XXXX I received Mortgage Satisfaction, Letter from Bank of America. Called Bank of America, to inform the paper work was Incomplete. File complaint on XX/XX/XXXX.

Bank of America called me on XX/XX/XXXX. Bank of America is unwell to give me a date when they will release missing title to my home. On XX/XX/XXXX Bank of America received payment Of XXXX to close the loan. It has 147 days and counting And still I can not prove I own the home I live in.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 I never gave permission to that company to check my credit score, And they did Hard inquiries XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

This is my 4th time asking CFPB to help me dispute an account and requested from the credit bureau that is not just reporting inaccurate info but also it's charged off and this is not my account. I never received a 1099 C. I continue to get verified but no documents have been provided. My rights are being violated. I have included a copy of my driver license and social security card to validate my identity. I Filed a complaint with FCT
Product: Credit reporting or other personal consumer reports

This complaint is to all 3 credit bureaus ( Trans Union, XXXX, XXXX ) XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. I have demanded that these items be removed/deleted from my credit report.15 U.S. Code 1681 - Congressional Findings and Statement of Purpose.15 U.S. Code 1681e - Compliance procedures a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title
Product: Credit reporting or other personal consumer reports

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE ACCOUNTS THAT ARE NOT MINE. PLEASE REFER TO THE ATTACHED IDENTITY THEFT REPORT AND DELETE THE ACCOUNTS AS SHOWN BELOW. I HAVE SENT DISPUTE LETTERS ON and filed a police report XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Experian XXXX Account # : XXXX XXXX Account Type : Collection Collection Account Type - Detail : Collection Collection XXXX Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : - - Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$9600.00} {$9600.00} No. of Months ( terms ) : - - High Credit : {$9600.00} {$9600.00} Credit Limit : - - Past Due : - - Payment Status : Collection/Charge off Collection/Charge off Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Account information disputed by consumer, meets FCRA requirements Customer disputed account - reported by subscriber. 
Date Last Active : XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently logged into my transunion account online and my credit report is blank.
Product: Debt collection

I received a demand letter from Lien Enforcement, Inc. in the amount of $XXXX.The letter states the fee is for towing and storage fees of a company named XXXX XXXX XXXX XXXX.   I am disputing, refusing, rejecting, this demanded a debt amount of $XXXX.  The debt of $XXXX dollars does not belong to me and I will not pay the requested amount.  I never contracted with XXXX XXXX XXXX. for towing and storage services.  I never signed or made any verbal contracting with XXXX XXXX for towing or storage services.  I will be filing a complaint with the Internal Revenue Service to have XXXX XXXX XXXX XXXX. and Lien Enforcement Inc. investigated and audited for fraudulent Lien Sale proceed collections.  I suspect hundreds of other innocent consumers have been a victim of this fraud. In addition, I will be contacting the Federal Bureau of Investigation informing them of the corruption of these two criminal organizations.