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

Back in XXXX of 2020 I used XXXX to transfer money from My XXXX account to my friends Wells Fargo account. There was no issue with the transfer. The next day his wife called Wells Fargo and asked them to reverse the transfer. Per a letter sent to my friend, it was done, but the money has, even to this day not been sent back to my XXXX account. I contacted XXXX to see if they could track down some information, and they said to us that the account that XXXX put the money into ended with a totally different account number to which it was sent into, that account is completely unknown to my friend and he does not have any account ending with account that XXXX specified that XXXX put the money into. 
We have contacted Wells Fargo multiple times to find out where my money went to and they have yet to tell us what happened or where my money is. My belief is that Wells Fargo may be using XXXX to perform some kind of wire fraud or other types of fraud.
Product: Credit reporting or other personal consumer reports

XXXX Removal Hard Inquiries : I am writing to dispute several unauthorized hard inquiries listed on my credit report, and I demand their immediate removal. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is accurate and complete, and these inquiries have been improperly reported. I expect swift action to correct this issue or I will take further legal steps. 
The specific inquiries in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Under Section 604 of the FCRA ( 15 U.S.C. 1681b ), a hard inquiry may only be made with my consent, or if I initiated an application for credit. I did not authorize any of these inquiries, nor did I apply for credit with the companies listed. As such, these hard inquiries are in direct violation of my rights under the FCRA, and I demand their immediate removal from my credit report.

Additionally, Section 607 of the FCRA ( 15 U.S.C. 1681e ) requires credit reporting agencies to maintain only accurate and up-to-date information. The presence of these unauthorized hard inquiries clearly violates this mandate, and I expect them to be removed immediately. 
If these inquiries are not removed within 30 days, I will consider your failure to comply a direct violation of the FCRA and I will not hesitate to take further legal action under Section 616 ( 15 U.S.C. 1681n ), which allows me to sue for actual, statutory, and punitive damages if my rights are not honored. I will also file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), I have the right to dispute inaccurate or incomplete information, and you are obligated to investigate and correct this issue within 30 days. I expect that these inquiries be promptly investigated, corrected, and removed. If I do not receive confirmation of removal within the required time frame, I will take the necessary steps to hold you accountable for failing to comply with the FCRA. 
Please confirm in writing that these unauthorized inquiries have been removed from my credit report within 30 days. 
Sincerely, XXXX XXXX XXXX
Product: Consumer Loan

I took out a loan with rise credit in the amount of {$2600.00}. I had made a payment in XXXX and was planning on making my payment when I had another paycheck coming in. After only 60 days Rise Credit underhandedly charged off my account and sold it to a debt collector. I tried calling them and emailing them to set up payments. They refused to take a payment under a non-charged off status. This company illegally and underhandedly sold my debt and collected a profit from selling this to another company by a difference of {$1000.00}. They are doing this to everyone and it needs to stop, profiteering of America and making our debt structure unstable. This has now put a mark on my credit for SEVEN YEARS. They should not be allowed to do business. Their dispute department will not resolve anything and they seem to just want to do things there own way. That is not legal or ethical and I am very upset about this whole thing. I took this loan out and planned on paying it back this year. Now I have to deal with a charge off for SEVEN YEARS and a debt collector calling me. Why should RISE credit be in business and allowed to manipulate people in such a faction? I want answers. 

Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've done business with CapitalOne360 since XX/XX/XXXX, but I closed all of my deposit accounts except a single joint checking account in XX/XX/XXXX. I requested my XXXX XXXX report in the fall of XX/XX/XXXXand to my dismay I saw 33 inquiries from CapitalOne going back to XX/XX/XXXX! 

I have n't requested any new banking products from CapitalOne in this time frame. I also closed my only remaining deposit account with them on XX/XX/XXXX. I disputed these inquiries with XXXX XXXX, who said they can only request information on the items one at a time with CapitalOne. This must be a rather slow process, because I initially sent the dispute to XXXX on XX/XX/XXXX It is now XX/XX/XXXX and the representative from XXXX told me so far that a single item is scheduled for removal. 

I initially tried contacting CapitalOne themselves about this, but everyone I spoke to ( via phone and XXXX ) could only tell me they did n't know why these inquiries were added. There was n't even a rote answer prepared, just 'I do n't know '.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against NCB Management Services, who is reporting a debt on my credit report for an account originally held with XXXX XXXX XXXX This account is listed as a debt buyers account, with a balance of {$560.00}. The account was opened on XX/XX/2023, and the first delinquency date was recorded as XX/XX/2023. However, the account is being reported inaccurately for the following reasons : Inaccurate reporting of delinquency : The date of first delinquency listed as XX/XX/2023 seems to be incorrect. I believe this is an error, as my payment history does not align with this date. Additionally, this error is impacting my XXXX XXXX, and I have not received any validation of this debt from NCB Management Services despite requesting it. 

Failure to validate the debt ( FCRA 1681i & FDCPA 1692g ) : Under the Fair Credit Reporting Act ( FCRA ), debt collectors are required to validate a debt when a consumer disputes it. I have previously disputed this account with the credit bureaus, but NCB Management Services has failed to provide proper validation of the debt or proof that the account is mine with a forward flow agreement. As required by the Fair Debt Collection Practices Act ( FDCPA ), they have also failed to respond to my request for validation in a timely manner.

Failure to update account status ( FCRA 1681s-2 ( b ) ) : NCB Management Services has a legal obligation to report accurate and complete information to the credit bureaus under the FCRA. Given that the debt has been disputed multiple times, I request that NCB Management Services immediately correct the inaccuracies or remove the account from my credit report entirely.

This incorrect reporting of the account is harming my credit score and financial standing. The inaccurate information on my credit report is potentially a violation of the FCRA, as it fails to reflect the truth about the debt, and I am entitled to have it corrected or removed.
Product: Mortgage

Wilmington Savings Fund Society DISCRIMINATED AGAINST ME along with the servicer they hired. Their servicer XXXX XXXX XXXX in an attempt to hide the discrepancies in my loan repeatedly sent illegible ledgers showing the payments made and where they were applied. Meanwhile claiming there was no record of any payments on the modifications. I repeatedly disputed the validity of the balance due to every servicer, the law firm, and the referee only to have my disputes ignored. Their law firm submitted fraudulent and false documents affirming the amounts due were correct. The amounts affirmed by XXXX employees are incorrect. XXXX has admitted in bankruptcy court they did not verify loan balances yet they lied to the court and said they did. XXXX also did not validate the amounts due. They even purchased my loan proceeded to foreclose on my home without a valid assignment and ignoring a modification in place. They discriminated against me and denied me my legal right while their servicer and law firm XXXX XXXX XXXX XXXX  committed fraud upon the court anyone with a foreclosure being brought by XXXX XXXX XXXX XXXX should review their paperwork. I reviewed dozens of their cases many had document issues.
Product: Checking or savings account

Contacted merchant in XXXX and XXXX of 2024 I am not able to send or receive money via the third party vendor, XXXX, that the bank uses for sending and receiving funds. I have made several calls regarding this issue but no representative has been able to determine the issue.
Product: Money transfer, virtual currency, or money service

Square , Inc. 
Attn : Cash Disputes XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX RE : You froze my account without a writ of execution and in violation of XXXX XXXX & XXXX. 

To whom it may concern : I am demanding the immediate release of my {$2500.00} balance in my CashApp account. You have frozen the account unlawfully, causing me not to have the funds to purchase essential medicines, pay for utilities, pay for auto insurance, life insurance, other auto expenses and notes and contributed to stress so great that I do not believe that I will survive XXXX more moment. I have advanced XXXX, XXXX, XXXX XXXXtc. 

On XXXX, XX/XX/2021, my associate transferred {$2500.00} to my CashApp account and we each transferred a total of {$2.00} into the account for test purposes. From that moment, we have not been able to cashout even {$1.00} and I could not refund the payment to my associate. After frustrating and failed attempts to get answers from your support app and personnel, I received an email yesterday, XX/XX/2021, stating that you had frozen my account due to your receipt of a XXXX filing that asserted I had a secured interest in a debt. I have explained to your personnel why your actions were impermissible, to no avail. Let me list several reasons : o New CA law ( XXXX XXXX ) requires CashApp to exempt the first {$1800.00} in my account from private creditor garnishments, with no need to go to court. You failed to execute that law, freezing my entire account. 
o You also violated CCP 704.22, per my explanation of my living expenses that are going unpaid. 
o You froze my account pursuant to a mere document from a creditor. That is impermissible under CA law. You must be served with a court-issued writ of execution by the XXXX before you can freeze my account or remove funds from my account. That procedure ensures due process, the accuracy of the creditors claim, etc. 
o I have informed you and the creditor that the UCC filing they presented to you is in error, that I have no secured claim with the creditor. 
o I have informed the creditor that its errors in the filing and the fact that it forwarded the erroneous document to third-parties to harass and intimidate me are violations of the Fair Debt Collection Practices Act, subjecting it to damages under XXXX of the Act. 
o You are participating in an illegal debt collection activity, and have violated multiple laws to seize my money, giving rise to additional violations of the Act by you, as well as the torts of negligence and conversion. 

I am demanding the immediate return of my {$2500.00} to prevent further unlawful injury to my family, my business interests and me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : Terminate issuing incorrect information to my Credit Report and all inquiries in the request that have been disputed must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Bank account or service

Chase bank placed a hold on XXXX checks that were deposited to my personal checking account on XXXX/XXXX/15. The hold information posted on my chase banking website stated the money will be released on XXXX/XXXX/15. However, this morning I received email from Chase XXXX protection Department that the money from the XXXX checks will not be released until the XXXX/XXXX/15 and even then they will still continue a " review. '' The deposited checks are XXXX bank checks and I know for a fact the accounts at XXXX bank from which this money will be drawn have the required sums available. I called the chase XXXX Protection Department today, but they stated this is a " procedure '' they have to follow. I told them I know the source from which these XXXX checks come and I do not understand why my money is being held without a definite day of release causing me financial hardship and overdraft fees. I do not have any history of bad checks or any other account related problems with Chase or any other bank. I just want my money released and do not feel Chase has the right to withhold my own funds from me.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I requested XXXX XXXX and Experian to explain to me basically why they are falsifying information on my credit report. They have sent me another response to my dispute stating they both verified information from XXXX. I have attached again the response XXXX who states that Bankruptcy is unverifiable and not listed with them. I also have attached another letter from US BANKRUPTCY COURT who states they do not report to bureaus. I have also attached the response from XXXX XXXX and Experian showing they state XXXX verified information which is untrue. XXXX XXXX or Experian have yet to validate this and I'm asking for unverified information to be immediately removed. The Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies to delete, modify, or stop reporting disputed information that is inaccurate, incomplete, or can not be verified. This is outlined in 15 U.S. Code 1681i.
Product: Debt collection

I was made aware of a negative mark on my credit by my credit union XX/XX/XXXX. This is an inquiry that has never been shown on my credit report prior to this day. I was unaware of the creditor as I appeared on my report as COI. After doing some research and calling around this is a company name Convergent Outsourcing , INC . I contacted this company and was told that this was a debt collector for a XXXX account from XXXX. I had not received a bill or notification of an additional bill. I also have never been told about any debt on my credit. I was never provided an account number. The representative XXXX stated that this debt was reported in XX/XX/XXXX over 5 years after this account was said to be opened. In 5 years I was not made privy to a debt owed. The lady proceeded to explain that for a payment of {$170.00} the debt would be settled as paid in full and that they would report to the Credit bureau as such to have this removed. I was not made aware that I had an option to dispute this matter, I was only told that a settlement payment would get this removed. The rep XXXX took a payment in the amount of {$170.00} and gave a confirmation # XXXX, XXXX advised that she would provide a " XXXX Balance " email and was provided my email. XXXX stated this information would also be mailed out. XXXX provide a phone number # XXXX and stated to look for the email in the next couple days and that the remark would be removed. I have not received an email of this letter to date in my mail or email. I called the company XX/XX/XXXX and spoke to a rep named XXXX and advised that I had not received the email I was told I would. XXXX asked for my information, first my telephone #, and name, she then tells me that she can not find me in their system. She ask for my social security # and tells me that she can not find me in their system. XXXX then tells me that she will have to get with her manager to find out what other ways they can check to see if I have an account. At this point I am concerned about several issues. This company is soliciting debt from consumers without providing proper information. Funds were exchanged no receipt was provided, no email of settlement provided, and now no recollection that an account exist for me. I am requesting that this be reversed, that I am refunded my money and that this be removed off my credit report, this is a violation of my rights as a consumer.
Product: Credit card

I had an XXXX credit card through Goldman Sachs. After many years I was able to pay off the credit card. When I paid off card I call and closed the account as trying to reduce debt. No information about tricking interest is provided upon payoff or closure of the account. XXXX was closed XX/XX/year>. Next statement cycled shows trickling interest from XXXX. This should have been charged upon payoff OR at minimum customer made aware of this hidden interest that only applies when you pay off your credit card after months of carrying a balance. 

I called the credit card company and they denied waiving the {$97.00} interest that was not applied properly. Ive been told these are recent policy changes for many credit cards companies. To me it is greed and not fair to consumers. If they want interest paid they should apply each statement and if paid off should calculate additional interest at that time. 

I know for a fact the company made thousands of interest just from over the years I had the card and didnt pay in full. Asking for customer courtesy credit for {$97.00} shouldnt be so hard. They denied my credit and applied {$25.00} ; couldnt even do half for the inconvenience. 

Consumers beware. I would not recommend getting an XXXX credit card with Goldman Sachs. I will never again or ever recommend.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information for the second time now.According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have been receiving constant calls from a company called Portfolio Recovery with the most recent being today XX/XX/2019 at XXXX. This group calls from 100 's of different numbers numerous times per day. The times I have answered noone is on the line. I don't owe this company a dime and am sick and tired of the constant harrassment. They should be penalized up to liquidating due to such harrassment. 
I understand that this company has been fined in the past but it doesn't seem to bother them. I request that the FTC step up for the American consumer and put a stop to this company 's harassment and infringement on our time and lives.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXXXXXX XXXX XXXX XXXX XXXXXXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX   i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.