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

On XX/XX/XXXX I tried to sent a wire transfer for {$10000.00} from my chase business account ( XXXX XXXXXXXX XXXX  ) to my Savings account at XXXX XXXX  when i was tying the account information instead of a XXXX y typed a XXXX, so i sent the wire transfer to a wrong account number. 

WIRE INFORMATION : " ONLINE DOMESTIC WIRE TRANSFER VIA : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXX XXXX : XXXX XXXX : XXXX XX/XX/03 '' I contacted chase multiple times and explained what happened and ask for a wire recall, i received a case number XXXX, on XX/XX/XXXX XXXX XXXX  answered : " UNABLE TO COMPLY DID NOT RECEIVE DEBIT AUTHORIZATION '' I called XXXX XXXX and they told me that the money didn't go trough because no one has an account with that account number, I called back chase on XX/XX/XXXX to see what happened and the man who assist me told me that i have to send them a secure message saying : " I WANT TO CANCEL THE RECALL AND DO THE AMENDMENT WITH THE CORRECT ACCOUNT NUMBER XXXX '' I called today XX/XX/XXXX to XXXX XXXX  to see if they can transfer the money to my XXXX savings account with the correct information and they are now asking for a " HOLD HARMLESS LETTER '' I called chase to ask them to send the letter and now chase is telling me that they can not send the letter because its not a fraud or scam wire transfer. 

I called back XXXX XXXX  explaining what chase told me and they keep asking for the letter, they have the money but they will not send it back if they dont receive the hold harmless letter. 

it has been 1 month and im really stressed, i just want my money back and it seems they are just back and forward with everything and dont want to help me
Product: Credit reporting or other personal consumer reports

I couldnt believe it when I saw incorrect accounts on my credit report tonight. I have no idea how this happened. Ive been regularly checking my report, but this time, there were discrepancies that came out of nowhere. I even tried refreshing the page, thinking it might be a glitch, but that didnt fix anything. The wrong accounts were still there. Because of this mess, Im asking that the documents Ive sent be reviewed carefully so I can stop worrying about this for good.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution, and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle was not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX 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 card or prepaid card

Dear CFPB Representative, On XX/XX/2023, I received a letter in the mail from Pentagon Federal Credit Union ( PenFed Credit Union ) with a pre-approved Credit Card offer with 15 months of 0 % interest for balance transfer. I decided to apply for this offer and fill out the information and file online. My member number with PenFed Credit Union is # XXXX. 

My XXXX XXXX is over XXXX which is considered very good or excellent credit. However, despite being pre-approved with an excellent credit history, PenFed Credit Union denied my application, alleging bad credit experience, occurrence of severe derogatory event and Insufficient credit history. All of these allegations from PenFed Credit Union are totally false. I have an excellent credit history and NEVER had a derogatory event on my credit score. I consider this a XXXX act on the part of PenFed Credit Union. 

Furthermore, in my PenFed Credit Union account appear with double application, which affects my credit score. 

I request a complete investigation of this XXXX act and the removal of the double application from my credit history. 

Thanks, 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

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

For the second time i requested to close checking and all the useless other acts they opened up. " NO activity '' with any of them for the last 2 months. When I called over a mon ago and requested to close, spoke with a rude male as he indicated XXXX XXXX had to clear, when i placed the order 2days before-the transaction was still pending after 2 days. He refused to close and said it had to clear first, later that day it cleared and they charged me {$15.00} monthly fee. UNFAIR AND UNREASONABLE! The transaction cleared, they will do anything to get a XXXX out of customers, so again now they're ready to charge me another XXXX mon fee, as I refuse to pay, just close my act as I requested instead of trying to make money from me. The initial day I requested the funds were there and cleared, he just wanted to be ugly and refused to close per my request. I called today again requested to close as she indicated to they cant close because of the XXXX monthly fee. This bank- from day one- issues as they refused to assist me and this situation is ongoing!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am aVICTIMof off base/strange/invalid/obsolete as well as conceivably even false deception. This condemning of themis-announcing/mis-informationaffidavit is to declare my direction that you, asregulated, produce physically countersferfederal laws of my debates or acknowledge and encourage my solicitation that you either erase/or obstruct at any rate the accompanying unsubstantiated/yet-avowed/obsolete/distorted/consolidated/unrecognized/and additionally fake data from my credit record. I request to be persuaded ( as ordered ) that you can sufficiently confirm in imperative correctly how the falsehood come to occur if even by any stretch of the imagination, with my insight AND approval recorded as a hard copy of any individual/people/or substances that may be certainly mindful or even that I genuinely got any cash, products, or administrations because of the contested deception ofINACCURATE MISINFORMATION/UNVERIFIABLE and INVALID INFORMATION/POSSIBLY FRAUDULENT data or potentially even conceivable of Identity Theft thus myutilzationof this controlled Identity Victim 's Complaint and Affidavit
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, CA XXXX XXXX You are in Direct Violation of The Fair Gredit Reporting Act ( Account Name & XXXX XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written Instructions.

15 U.S.C 16668 : A creditor may not treat a payment on a credit card account under an open-and consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of savoral laws under The Fair Credit Reporting Act
Product: Credit card or prepaid card

Optum Financial opened Account XXXX XXXX without my consent. I never gave consent to open the account, nor should they have any of my information. They wont let me close the account without verifying said information they should have. One of the questions is if there is anyone else tied to the account... how should I know this if I never opened the account in the first place? They refuse the close the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been stolen and ran through several credit card companies dating back to XX/XX/XXXX. My credit was ran XX/XX/XXXX by Cap One NA to open up a credit card. On XX/XX/XXXX my credit was ran by XXXX for a credit card. I have not made any of these inquires and have spoken to each company several times to get them removed off of my credit report.
Product: Debt collection

Letter / Contract dated XX/XX/XXXX The Huntington National Bank ( Customer Advocacy Team XXXX ) XXXX XXXX XXXX agreed to accept a settlement of 40 % of the outstanding balance of {$4400.00} which equals {$1700.00} of an old disputed auto loan debt from year XXXX. It was Mutually agreed upon a repayment of one ( 1 ) payment each month for a period of six ( 6 ) months following the date " I '' accept Huntington 's settlement offer. It is STATED, there is NOT a fixed amount due each month, as long as after the six ( 6 ) month period " payments must equal {$1.00}, XXXX. 

My first month payment of {$68.00} was already paid XX/XX/XXXX. 

On XX/XX/XXXX I received a letter from The Huntington National Bank that it is reneging on the agreed ADJUSTED {$1700.00}. This is a farce and/or unfair deceptive business practice by Huntington. I have not yet completed my six ( 6 ) months repayment schedule! 

The Huntington National Bank Recovery Department DOESN'T UNDERSTAND " there is not a fixed amount of Money due each month, " i e, I will make make a {$100.00} payment one month and " different '' payment of {$500.00} another month or {$1000.00} another month. I don't have to pay a same fixed monetary amount every month as long as at the end of six ( 6 ) months the total balance of {$1700.00} is paid in full. It doesn't make a difference.
Product: Debt collection

Debt collector advised I owed more then I was supposed to pay. My debt was included in a bankruptcy chapter XXXX, but I signed a reaffirmation agreement for a lower amount. The debt collector used the original debt agreement instead of the reaffirmation amount I was supposed to have paid. I wanted to just be over it, so I made payments. On my credit report it is showing paid off, but on the website for the collection company I'm still owing XXXX. They told me I owed around {$1000.00}. It got sent to the court and they ruled the amount was only around {$300.00}.
Product: Credit reporting or other personal consumer reports

My account with the creditors was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX never gave EQUIFAX, XXXX, or XXXX, any written consent to report anything on my consumer report. I sent a dispute letter to the agency over 2 months ago regarding account XXXX and they have failed to verify this account. The collection agency that is claiming that I owe an alleged debt to their agency is reporting a different balance from what I had with the original creditor XXXX XXXX XXXX. I have attached my last statement from XXXX XXXXXXXX XXXX to show the discrepancy. I will also attach my Equifax data breach claim id. I am requesting that the following unverified account is removed from my credit report within 10 days : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) XXXX
Product: Credit reporting or other personal consumer reports

Global Lending is reporting the incorrect balance on my account it currently reports to all thee agencies a balance of {$270000.00} when in fact my pay off balance as of today is {$2700.00}. This incorrect information is currently affecting my debt to income ratio which is keeping me form qualifying for a home loan I now have to push my pre-qual date back another XXXX days due to this error! 

I contacted Global Lending and all they did was provide me a pay off letter which is something I can obtain in my account portal. They were notified on XX/XX/XXXX and no action had taken place as of today XXXX XXXX. Attached is today combined credit report showing the erroneous balance and a copy of the pay off amount good until XXXX XXXX 2024 the number are vastly different and this is causing harm.
Product: Debt collection

XXXXXXXX XXXX XXXXXXXX placed a collection account on my credit reports on XXXX XXXX for a creditor called Money Key in the amount of XXXX. I dont have any record of having an account with Money Key. I requested a verification of this account and supporting documentation and never received it. I also attempted to dispute this account and was told that the information is valid. Again I dont have any written verification of this debt or supporting documentation from the original creditor. This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage Company is not reporting my oN time Payments, and in fact, is reporting to the credit agencies that my mortgage is in deferment when Ive been making my mortgage payments on time every month.
Product: Debt collection

Kimball, Tirey , St John are collection agents for a home rental debt that became a default judgment in  XX/XX/2013, the claimed BY CREDITOR date of D.O.F.D.The account no.is XXXX .I have challenged the debt as re-aged, that is, the date of first delinquency was many months prior to the date Kimball ... continuously verifies with XXXX  and XXXX  as a collection account with those  bureaus.XXXX and XXXX  have been provided sufficient information to easily see that the debt is re-aged.The date of 1st delinquency is XX/XX/2013, the date the unpaid rent was due.Since the bureaus do not look into or understand the proof given, they continuously go to the lying collector for verification.This has occurred more than 20 times between XXXX  AND XXXX.I do not doubt that Kimball Tirey as attorneys understand the FCRA violation, they just don't care about the law and lie to the bureaus.XXXX  acted unilaterally and removed the account upon proof of re-aging.I have attached the court docket to prove that Kimball Tirey 's collection efforts on this debt were ongoing in  XX/XX/2013.
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 3 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 from erroneous reporting in my file are listed on my credit report : XXXX XXXX Date opened : XX/XX/XXXX Balance : {$580.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$240.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance XXXX {$390.00}, and XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

I have contacted XXXX XXXX XXXX XXXX and the credit bureaus at nauseam, in an attempt to get this account verified or removed from my credit reports, and absolutely nothing has been done. The Account XXXX is XXXX, and it says it's for a collection in the amount of {$1500.00}, and that the account was opened on XX/XX/2023. The date is completely wrong, because I signed up for XXXX new accounts at the time, or even in the vicinity. I do not know what/where/when/who this account is for, and I have asked repeatedly for a copy of the contract via mail, and they refuse to provide me with this information, yet they keep " verifying '' this account when I dispute it without contacting me. This company is lying ; they know this account is fraudulent and they can not verify it, which is why they refuse to send me the documents I am entitled to under law. I am entitled to a copy of the contract they say I owe, which they have listed on my credit reports, but refuse to let me see. I need to receive a copy of this contract that clearly shows I opened this account and owe this money, or I need it removed from my credit report, because it is fraudulent and false, and they refuse to provide me with the information I have requested over and over again. This is against the law, I have the right to obtain the documentation that proves this is mine, and I have not been given what I have requested time and time again. Please remove this from my credit report.
Product: Debt collection

Today, I received an income execution from the XXXX County Sheriffs Department datedXX/XX/XXXX,  indicating that my wages are going to be garnished for an original debt amount of : XXXX due to XXXX XXXX XXXX with an original judgement date of : XX/XX/XXXX. <P/>It also added an additional {$5600.00} for interest, {$620.00} for XXXX, {$40.00} 1rst stage and $ {$30.00} for 2nd stage, for a total due of : {$13000.00} payable to XXXX XXXX XXXX XXXX. Not only am I unaware of what this debt is for, I do not recall being served a summons to court over 9 years ago! In addition, the interest on this debt seems exorbitant and unjustified. This item does not appear on my credit report, nor do I feel that I owe this, being that it has exceeded the 7 year collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I recently reviewed my Transunion credit report and noticed an account with the name XXXX XXXX XXXX XXXX that was not accurately reported. Specifically, it reflects a late payment for the month of XX/XX/2024 that I paid on time. Under the Fair Credit Reporting Act, consumer reporting agencies are required to ensure all reported information is completely accurate. This account has not been late on payments. I have attached a copy of my credit report dated XX/XX/2024 to support my dispute. I request that you investigate this matter and provide verifiable proof with records showing that a late payment occurred. If this information can not be verified, I respectfully demand the payment status be updated to reflect " paid on time '' immediately. Thank you for your prompt attention and understanding.
Product: Credit reporting 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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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.