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

Have attempted to send a wire transfer from my US account to my joint dollar account in the XXXX XXXX - 2 times - for the purchase of an apartment in the XXXX XXXX. These, as explained below, were cancelled without explanation via an email. 
Subsequently my wife attempted to send a {$30000.00} wire directly to the seller as a good faith deposit as we are concerned that the Seller will lose patience and cancel the purchase agreement due to lack of performance by us, the Buyer. She has attempted this twice and each time it has been cancelled with explanation despite having called the Security department immediately after submitting the wire, answering all their questions and receiving assurances that all was fine. 
First time on XX/XX/year>, in person in a Chase branch in XXXX which was subsequently rejected with no explanation notice by email, no call, only an XXXX number ( with incorrect selection option given ). Called number without success. Retried wire again on Sunday XX/XX/XXXX using the online wire function, also spoke with a representative who changed my account type to provide a higher transaction limit. Answered all security questions successfully, and was assured that all would be well. Note - none of the representatives I spoke with would provide their full name or employee ID. For sake of good order, went to same Chase branch at XXXX Monday, XX/XX/XXXX, to follow up in person via a branch employee. We spoke with the security representative, successfully answered all questions, and was assured all was good. I then went to the airport to go to the XXXX XXXX in preparation for closings, and while waiting to board, again received email announcing wire cancellation with no explanation. I called the security review number and ultimately spoke with a supervisor. She reiterated that once a wire has been cancelled it has to be resubmitted by sender and there was nothing they could do other than to m My wife then attempted to send a wire directly to the Seller, a XXXX corporation, on Wednesday XX/XX/XXXX this time for XXXX. Same result - cancelled. Called representative. Told to try again. She did on XXXX, and called security rep ( " XXXX '' ) immediately. Again satisfactorily answered all his questions and was assured wire would be processed. Mid morning received the usual cancellation email. 
Issues XXXX. Despite repeated requests, we have not been given any explanation as to why wires are being cancelled- it is impossible to fix a problem if you don't know what the problem is. 
XXXX. Never received any phone calls warning of cancellation or asking for more information. 
XXXX. The planned apartment purchase is now in jeopardy die to Chase 's indifference to our situation, and lack of responsiveness and explanation. 
XXXX. I have not received a promise call from a manager in the Security Department. 
XXXX. At this point, we are desperate and urgently request your involvement
Product: Vehicle loan or lease

After multiple calls with Customer Service Agents, I was advised that my only Payment options were Via Mail, or over the phone ( with a fee ) due to being locked out for returned payments. I was not informed that XXXX was still active, my access to this was also blocked on the website so I am unable to view. Because of this, I made a payment on XXXX/XXXX/2021 before the payment due date of XXXX/XXXX/2021. On XXXX/XXXX/2021, an additional payment was drafted from my account causing an Overdraft. The payment was returned, but now I am still stuck with an overdraft fee for a payment. I called Customer Service to make them aware and to be made whole. After escalating to Management, I was essentially blamed for the overdraft. Management said that I should have known an Auto payment was being drafted even though they blocked my access to view this on the website. This was also never mentioned my a rep even though I have called 5 times in the last week.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the following several credit inquiries that were not authorized by myself. 

XX/XX/XXXX - SyncBXXXX  attempted to access my credit report without my consent. Spoke with XXXX XXXX XXXX a credit freeze and fraud alert was recommended. 

XX/XX/XXXX & XX/XX/XXXX - XXXX XXXX XXXX ( XXXX ) pulled my credit report multiple days. I only authorized my credit pull on XX/XX/XXXX. 

XX/XX/XXXX - XXXX XXXX XXXX ( XXXX ) pulled my credit report without my consent. 

XX/XX/XXXX - XXXX XXXX  ( XXXX XXXX ) pulled my credit report without my consent. I only authorized a report dated XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> ( XX/XX/year>XXXX   ) Cross Country Mortgage ran a Hard inquiry for a home loan without my authorization. I was told by XXXX XXXX several times in writing that her company WILL NOT run a Hard inquiry until we had finalized the loan, her company runs soft credit checks to gather information. 

I filled out a VA home loan request in which Cross Country Mortgage ran a hard inquiry for an FHA loan, then her company ran my credit again making that 2 hard credit pulls without ANY authorization! I was told by XXXX XXXX she would have those hard inquiries removed and she never did. 

I requested a copy of the report her company pulled, and she refused to send me that information as well as refusing to give me the rates for the FHA loan her company put together when she ran my credit for the first time without authorization. 

I had a co-worker recommend Cross Country Mortgage to me because he used this company for his VA home loan. I was told by Cross Country Mortgage they had ran my credit. I was very upset, I told them I was VERY upset and told them I was busy, I would call them back when I got off the phone with the VA. 

During that time XXXX XXXX discussed MY Home Loan information, my details, my credit worthiness and personal information with my co-worker again without my authorization. Then this company told me to go with another mortgage company and refused to assist me anymore after they had violated my trust, my private personal information and hurt my credit. 

I am requesting that the Hard inquires on XXXX, XXXX, and XXXX be removed from my credit report for the following reasons : 1. This hard inquiry was Unauthorized.

2. This company gave out personal information to a third party without authorization.

3. This company refused to give me the results of the inquiry.

4. Cross Country Mortgage refused to remove hard inquires from All three ( 3 ) credit bureaus when requested. 

A. 1 inquiry on XXXX XX/XX/year>XXXX  B. 1 inquiry on XXXX XX/XX/year>XXXX  XXXX 1 inquiry on XXXX XXXX XX/XX/year> XXXX 2 inquiries on XXXX XX/XX/year>, XX/XX/year>XXXX  I have requested the APR and mortgage information 7 times with XXXX XXXX, and she has refused or given an excuse every time. She has not given me the numbers they ran that day. 

To qualify for a VA home loan I needed a credit score of XXXX, I had the credit score, even if I didn't qualify for a VA Loan Cross Country Mortgage should have contacted me so I could have authorized a hard pull on my credit to see if I wanted to use a FHA Loan and give up all the benefit 's a VA Loan has to offer and to give up what I fought hard to earn. I didn't suffer in XXXX  to have my VA loan thrown aside because your employee made a mistake, a VA Loan is a lot better than a FHA Loan. It just doesn't make sense what your company tried to do.
Product: Checking or savings account

Funds going through with no money in .excessive overdraft fees
Product: Credit reporting or other personal consumer reports

I went to XXXX XXXX they said my classes would transfer over to another college they lied. They also said at the end of the classes we would have job placement which did not happen.
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The XXXX Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

I frequently get calls from a place called XXXX XXXX with different phone numbers. Today this XXXX person claimed to be calling on behalf of one of my creditors. I told him clearly that I would not be speaking with him at all, but he ignored me and continued to try to confirm my personal information before I hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$24000.00} XXXX XXXX Balance : {$24000.00} XXXX XXXX Balance : {$24000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter to Transunion Consumer Solutions disputing inaccurate information the bureau is reporting on my consumer report. 30 Days have passed and they have not responded and provided any finding from their investigation. On XX/XX/2022 I sent by certified mail a 30 day demand to comply letter in regards to the bureaus failure to uphold the law and comply with the legal time given to them for an investigation. They still have not responded or provided findings from their investigation
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states : " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' XXXX XXXX  is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party - the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code $ 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish an 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. 15 U.S. Code 1681e states '' 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. '' XXXX  and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services "
Product: Debt collection

I received a call from a collector on XX/XX/XXXX. His name was XXXX XXXX. He stated he was from XXXX XXXX XXXX XXXX and that I had an account w/Fifth Third Bank in which I owed XXXX. He told me that the debt was owed since XXXX. I immediately told him that I went bankrupt in XXXX and that they were in the bankruptcy and it was discharged in XXXX. He then told me that did not mean anything as the debt was discharged in the year of XXXX. I immediately told him to stop calling me. He then asked for my lawyers information and had a very nasty attitude. After that he sent me an email that had a settlement letter in it. I called my lawyer and they told me that Fifth Third was indeed in the bankruptcy, but he does not know why they would say I owed at the time XXXX as I did not owe but XXXX dollars under that bank at the time of bankruptcy. I called the debt collector back and he told me that I probably had two accounts and that they would be going after me a different way to pay off the debt. I told him that I did not have but one account and that was in bankruptcy, and I do not owe Fifth Third anymore because after my bankruptcy I never went back and opened anymore accounts because I have been with Third Federal Savings & Loan since the bankruptcy. I asked him why did he say that I owed the debt in XXXX, and then when I let him know I went bankruptcy in that year, he turned around and said no it was charged off in XXXX. He hung up on me. I am filing this complaint because I do not owe Fifth Third Bank and this company has been calling me since the bankruptcy and have been harrassing me even though Fifth third already was alerted that I had went bankrupt, they still sold the debt and now I have been harrassed. They should not have been calling me at all. And even though I keep telling them that I have went bankrupt they continue with the harrasing phone calls, much of them hanging up on me. When I move they try to find me and call my new number as well. Now they are trying to make it look like I had another account and that the bankruptcy is null and void and is trying to attack me civilly.
Product: Debt collection

I had a default judgement file against me from XXXX XXXX XXXX XXXX which is in XXXX, OK. They never serve me any papers so I knew nothing about this until I got a letter in the mail. I have sent them multiple letters asking them for Validation of debts and they have yet to show me proof of this allege debt that they claim I owe them. They have only sent me statements which shows that this allege account that they say I owe is pass the statute of limitations in my state which is 5 years in Arkansas. And I also thought that I was suppose to get 30 days to answer them back for the judgement they file against me and they didn't give me the 30 days to answer back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Step 1 : What is this complaint about? 

Unable to freeze my credit : Trans Union and XXXX  Step 2 : What type of problem are you having? 

Trans Union and XXXX both sent me in loops, with no ability to freeze credit. I was offered several times to buy into XXXX XXXX or XXXX XXXX services. 

Step 3 : What happened? 

I wasted over an hour attempting to get my credit frozen. Overseas reps and third party vendors were only interested in the sale, then they transferred me. I confirmed my SS # reluctantly SIX times. 

Step 4 : What company is this complaint about? 

Trans Union and XXXX Step 5 : Who are the people involved?

15 nameless individuals who could probably never be found. Trans Union and XXXX  know that locking or freezing ones credit isn't part of their profit model, so why make it easy if they're not being regulated to do so or even monitored.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent and accurate and false information consist of four personal credit card accounts and one account from XXXX XXXX for {$450.00} the credit card accounts were from XXXXXXXX XXXX XXXX for {$1200.00}, XXXX XXXX XXXX for {$660.00}, XXXX XXXX XXXX XXXX  for {$660.00} and XXXX XXXX no balence given. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report i have two accounts that are old and keep reappearing on my credit report. They are old and have surpassed their removal date by over 6 years. this is illegal and its effecting me greatly. These accounts need removed listed below XXXX- SHOULD HAVE BEEN REMOVED XX/XX/XXXX JPMCB- CLOSED IN XXXX YET ITS STILL REPORTING
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX, I have been disputing incorrect information being reported on my credit report. After applying for a loan for a mortgage in XX/XX/XXXX, and being declined because of the negative things being reported. Incorrect name and spelling, addresses I've never been associated with, wrong year for birth-date, incorrect account open dates, things that been paid to the original creditor, but another company reporting that's its unpaid. I have sent in proof of everything I've been disputing with a letter each month and nothing has changed. I even had a notary present during the signing of my letters. These agencies do not respond with 30 days from my request see date attached response with date. I'm still being declined and unable to move forward with my life because Experian, XXXX, XXXX XXXX, they have failed me with their investigations to correct the errors being reported. I have the original credit report pull from the mortgage company earlier in the year and the latest one from my credit union and they are still reporting the same incorrect information. As I move forward into XXXX I would like the these companies to finally report the correct information.
Product: Debt collection

Hello, I am writing with regard to a collections account I have with Portfolio Recovery Associates.  They are based in XXXX, VA. The alleged debt is from a XXXX XXXX account that was opened XX/XX/XXXX and charged off XX/XX/XXXX. I have no recollection of ever having a XXXX XXXX card. I have sent several letters and three letters certified mail requesting verification from PRA and have only received one communication containing some statement copies and the charge off notice from XXXX XXXX. They have not provided any record of the account opening or an original agreement with XXXX XXXX. I never received any initial communication from them and only learned of this account when I got my yearly credit report. Furthermore, the address shown on the XXXX XXXX documents is one I have never lived at. My correct address has been on record with the Massachusetts Registry of Motor Vehicles since XXXX. I have disputed the incorrect address with the credit bureaus and it has been removed as inaccurate. I have tried disputing this account directly with the credit bureaus but they allege it is accurate. I'm unsure how they can confirm the address is inaccurate yet confirm an account that has that address listed as mine. Also on XX/XX/XXXX, this account was completely removed from my credit reports. It then reappeared around XX/XX/XXXX causing my score to plummet sixty points. In addition to that, it was listed as closed on my XXXX  report but open on XXXX and XXXX. As of XX/XX/XXXX is shown as open on all three. I have not received any written communication from XXXX, XXXX, XXXX or PRA informing me the account had been put back on my reports. This is the only negative mark on my credit report and all my other accounts are current with a perfect payment history. 

I am also receiving XXXX for XXXX XXXX and XXXX, as well as medical issues including a XXXX XXXX. This has been causing me a lot of XXXX. I have recently moved and will be starting college again in XXXX after a two-year absence due to the above XXXX  and XXXX   health issues. I would like to have this resolved so I can move on and better direct my efforts on improving my health and education. I was hoping I'd be able to handle this matter myself, and have been trying since XXXX of XXXX but to no end. If needed I can provide copies of the documents PRA sent, the delivery confirmation and copies of the three certified letters, a verification of XXXX income, and enrollment in school. I hope you may be of assistance in resolving this. I am submitting a complaint with the Massachusetts Attorney General 's Office as well. Thank you. 

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

My TransUnion Personal Credit Report dated XX/XX/XXXX shows XXXX XXXX XXXXXXXX XXXX XXXX obtained reports about me on XX/XX/XXXX and XX/XX/XXXX. 

The report states that the company obtained the report for the review or collection of an account. 

I do not have nor have I ever had an account with XXXX XXXX XXXX XXXX XXXX. Under the FCRA an account is a demand deposit, savings deposit, or other deposit of an asset of the consumer 's. I have never opened any type of deposit with XXXX XXXX XXXX XXXX XXXX. 

Furthermore, I have had a permanent opt-out from promotional offers in place since XX/XX/XXXX, I have a had a permanent legislative security freeze in place since XX/XX/XXXX, and have had fraud alerts in place since XX/XX/XXXX. 

XXXX XXXX XXXXXXXX XXXX XXXX obtained information about me from TransUnion illegally.