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

On XX/XX/XXXX, I submitted a payment for a wire transfer to XXXX XXXX in XXXX in the amount of {$980.00}. Plastiq confirmed the wire would be deposited in their bank account within XXXXXXXX XXXX, however, it is now XX/XX/XXXX and they still have not received anything in their account. 
I have tried contacting their customer service via email and social media for the past week to gain insight as to why the payment is held up to no avail - their customer service is simply a robot that replies with a generic message. Finally I received word via a XXXX message that their team had " escalated it '' and would " get back to me when they had more information ''. However, it is now the end of the day and I still don't have any answers. I worry this will go on for longer if I don't send a formal complaint. 
Upon looking deeper into the company, it appears this is their signature move and it is completely unacceptable. 
I am now out over {$2000.00} as I had to pay the vendor out of my own personal account so the shipment is not further delayed and am waiting on a refund ( or any information at all ) from Plastiq.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received several calls about accounts that do not belong to me. I even received a few things in the mail. My personal information has been misplaced since i moved and now i am finding all of this information the first time i try to use my credit. I have not used credit before and i am learning more about it. I have several accounts on my credit report that are not mine in addition to the ones listed Creditor : XXXX  acct # XXXX Amount XXXX Creditor : XXXX XXXX XXXX XXXX Acct # XXXX Amount : XXXX XXXX XXXXy XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Information is also fraud /incorrect incorrect names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ar XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL THREE CREDIT BUREAUS SHOWED MY POSITIVE HISTORY ON MY XXXX XXXX CARD ACCOUNT XXXX - NOW IT GOT REMOVED AND MY CREDIT CARD COMPANY SAYS IT IS REPORTING AND IT DOES NOT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer right to privacy and confidentiality under 15 USC 1681. 

XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States that I have the right to privacy. 

15 U.S.C. 1681 section 2 : It also states a consumer reporting agency can not furnish an account without 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 times of information. any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person known ir has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was part of the Equifax data breech back in XX/XX/XXXX. I filed a claim and went through what I needed to. I noticed inquires that were not mine on my credit reports and reached out to these entities. XXXX is one of them I went back and forth with them and they did investigate and found that it was fraudulently done and multiple times. They have sent a letter out to the Bureaus to  have this inquires removed in which all but Equifax. I have disputed over and over and called XX/XX/XXXX and did a verbal dispute, with in 24 hrs dispute was complete and results were factual. I then called again XX/XX/XXXX asking how were they factual and did they investigate, was advised yes and they can not and will not delete these inquires including the other inquires that were requested as they were not mine and not authorized. I was advised I needed a report and an FDC report. I went on to explain that Equifax has notified me with letters of a data breech and on XX/XX/XXXX and in XX/XX/XXXX confirmed that XX/XX/XXXX you have identified my credit file as id theft and fraud and never placed my file with fraud alerts. On this call ( XX/XX/XXXX ) they then placed my file on fraud and stated will alert the other 2 buraus in which I stated has already been done. Equifax has also confirmed the letter from XXXX XXXX to remove the inquires and still will not. I am victim of fraud and my personal info has been compromised thru their data breech and I am being denied to have my inquires investigated and rightfully removed. I have reached out to all the inquires that are not mine and the others outside of XXXX XXXX have no record of me submitting an application or proof it was done by me or how it was done. I have submitted another dispute XX/XX/XXXX via online portal for all inquiries and reason of fraud. I am pending the results of such.
Product: Checking or savings account

I personally invested {$29000.00} with " XXXX XXXX '' beginning in XX/XX/XXXX. I've been asking for receipts to file with my CPA as well as a XXXX. XXXX has not produced either form as of XX/XX/XXXX. Since that time, I have been in touch with about 20 other investors that have been defrauded by XXXX XXXX. I invested into a short term rental agreemtent with Your XXXX XXXX  ( agreement attached ) for the purpose of XXXX managing a XXXX unit for me. The unit has failed to produce a profit/ the profit has not been shared with me and XXXX XXXX has stopped communicating with me. I do not believe he has reported the income to the IRS collected from me or the other investors. Other addresses I have on file for him and XXXX XXXX XXXX  are available upon request.
Product: Debt collection

Please cease and desist. I am being harassed by Christus. I have repeatedly asked them to stop calling over an alleged debt. Please stop the harassing behaviors. Stop all contact.
Product: Checking or savings account

I 'd like to use my TD Bank account with 3rd party services. I 've tried using 2 different accounts and 2 different routing numbers. Unfortunately, their support says that all they see on their end is the time I tried using the wrong routing number and does not offer any helpful information as to why nothing else works.
Product: Credit card

Barclay 's Reward Credit Card is reporting that I am more than 30-days past due to all of the credit bureaus. They are stating that the last payment they received from me was on XXXX XXXX, 2015. This is incorrect. I made a payment on XXXX XXXX, 2015, in the amount of {$200.00}, which brought my account current and prevented it from being late or being reported late to the credit bureaus. As of XXXX XXXX, 2015, I received notification that Barclay 's is reporting that they never received my payment of {$200.00} on XXXX XXXX, so they are reporting me to the credit bureaus as 30-days late. This is inaccurate. Barclay 's has opened up a " missing payment dispute '' case internally with themselves and I have provided them a copy of my bank statement showing where the payment was taken out of my bank account. They are still in the process of investigating this, but being reported 30-days late to all credit bureaus by Barclay 's is severely affecting my credit report and needs to be addressed immediately, since I have provided all the documentation to prove that I made my payment on time. Barclay 's needs to update my credit report to reflect that I am NOT 30 days late, since I have provided all of the documentation that was requested of me by them to support my claim that I paid on time and the error lies with Barclay 's.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, I attempted to direct deposit {$15000.00} into my Cash App account. This money was sent from my account with XXXX. However, without notifying me, my Cash App deposit account had been closed. Therefore, the funds were rejected. I expected to see my money return to my XXXX account but it never did. This money has been missing ever since. 

I talked with Cash Support, and they were able to provide me with a PDF that shows that XXXX did indeed attempt to deposit the funds. I've attached this document. 

Some months ago, I actually filed another complaint against XXXX, thinking that they were at fault. XXXX confirmed that they do not have the funds. I've attached XXXX 's response. 

I shared this information with Cash Support, but they would not help me. Additionally I checked the unclaimed funds service but did not find anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a noticed that TransUnion and XXXX Placed a 7 year extended fraud alert on my consumer profile with out my written or verbal request! This is a clear violation of FCRA. 
You do not have my permission to place any type of fraud alerts unless you had my written or verbal request to do so. That also includes fraud indicators as well. I have my own identity theft protection through my bank! I demand that XXXX and TransUnion remove all fraud indicators and and alerts from my profile with in 72 hour.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection Agency : Credit Collection Services, XXXX, CA ( CCS ) Original Debt : XXXX Amount : Unknown, says Not Reported on my report. 
Originally reported to XXXX XX/XX/XXXX. 

I have disputed the collection from CCS for XXXX that is not mine but on my XXXX Credit report, yet CCS continues to say it is accurate. 

XX/XX/XXXX - Dispute online through XXXX XXXX XXXX XX/XX/XXXX - Dispute online through XXXX XXXX XXXX I did not track dates of attempted calls to CCS to discuss the collection and give more details. Calls made resulted in holds up to 2 hours long before giving up, or just getting disconnected. Initial message is always something like, your wait is 10 minutes long, or less than 5 minutes. 

XX/XX/XXXX - Mailed letter to CCS via USPS and have not received a response. 
XX/XX/XXXX - Submitting complaint to cfpb and will resend letter, giving them the benefit of the doubt they did not receive the original - but unlikely.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Name - XXXX XXXX XXXX- Please remove immediately. Incorrect DOB - XXXX - Please remove immediately. Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX - Please remove immediately. Incorrect Address - XXXX XXXX XXXX, XXXX, MA, XXXX - Please remove immediately. Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, GA, XXXX - Please remove immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been filing multiple reports with these three credit bureaus to no avail. Nothing has gotten done at all. I have an attached police report to this complaint and credit reports. There are so many items that do not belong to me on this credit report. I am tired of complaining and my next step is to file a lawsuit. 

The accounts that do not belong to me are : XXXX XXXX opened in XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. Inquiries are : XXXX XXXX Bank, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX. Every single inquiry on the report except for XXXX and XXXX XXXX auto are not his.
Product: Credit card or prepaid card

I previously disputed this JPMCB Credit Card with account # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} from the first time I saw it on my report back in XXXX because it doesnt belong to me. Over the years, I have sent several certified dispute letters disputing the validity of this item. And I don't agree with your JPMCBs claims that theyve investigation this item. On my last certified dispute letter to JPMCB, I requested that they mail me the proof of their investigation within 30 days. It has been more than a year and they have not mailed me the proof. JPMCBs claim that the account is verified it's frivolous and unduly. I provided the reason for my dispute in simple language and they had 30 days to perform an investigation and mail me the proof of their investigation. Because this was not done, JPMCB should delete this negative information from all my credit reports. It has been a terrible experience dealing with JPMCB. I have maintained a careful record of my communications with JPMCB for the purpose of filing a complaint with the FTC, the Attorney Generals office, and a local court in Texas should JPMCB not remove this account from my credit reports.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate incessant removal of this item, as it is incorrect and does not reflect my true credit history. 
Disputes were filed on XX/XX/year> using Experian, no investigations was conducted and the accounts still remain on my credit history.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX, XXXX. ACCOUNT # XXXX in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, recently reviewed my credit report and identified multiple unauthorized accounts and inquiries that I did not apply for, authorize, or recognize. I believe I am a victim of identity theft, potentially linked to the Equifax data breach. Under my rights outlined in Section 609 of the Fair Credit Reporting Act ( FCRA ), I am formally requesting an immediate investigation and removal of the fraudulent accounts and inquiries listed below. 

Fraudulent Accounts to Be Deleted : 1. Account Name : XXXX XXXX XXXX Account Number : XXXX... 

Recent Balance : {$7000.00} ( as of XX/XX/XXXX ) Date Opened : XX/XX/XXXX Status : Collection Account ( {$7000.00} past due as of XX/XX/XXXX ) 2. Account Name : XXXX XXXX XXXX XXXX File Number : XXXX Account Number : XXXX Balance : {$1800.00} Original Creditor : XXXX XXXX XXXX  Since I never opened or authorized these accounts, I demand their immediate removal from my credit report. 

Unauthorized Credit Inquiries to Be Removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Request for Documentation Under FCRA 609 : I am exercising my rights under FCRA Section 609 and request the following : Documentation verifying the validity of these accounts and inquiries, including signed agreements. 
A full investigation report confirming whether these accounts and inquiries were legitimately authorized. 
The names and contact details of any entity that provided or verified the disputed information. 

Attached Supporting Documents : A copy of my government-issued ID. 
A recent utility bill for address verification. 
A copy of my FTC Identity Theft Report. 
A signed Affidavit of Truth and Removal of Account. 

As per FCRA regulations, you are required to investigate and respond within 30 days. If these accounts and inquiries can not be verified with legally binding documentation, they must be permanently removed from my credit file.
Product: Debt collection

Stating I have a debt I tried to validate debt have not received anything. 
Spoke with representative and they wont tell me what the itemized bill I have disputed the debt several times through XXXX
Product: Mortgage

I had a mortgage that was originated through Countrywide Financial XX/XX/XXXX. This mortgage was sold off to Bank of America when countrywide went out of business XX/XX/XXXX. Bank of America then sold my mortgage to a loan servicer by the name of XXXX XX/XX/XXXX. The problem is that I am being reported as having a late payment history by both Bank of America and XXXX congruently, on all XXXX major credit reports. This is incorrect information as obviously I did not have the same mortgage open with XXXX different lenders at the same time. Any mortgage repsonsibilities to Bank of America have exceeded the 7 year limit for credit reporting. Therefore, I request that Bank of America be removed from my credit reports with all XXXX agencies.
Product: Credit reporting or other personal consumer reports

I have been a XXXX XXXX XXXX for almost 5 years, I HAVE ALWAYS PAID ON TIME EVEN THOUGH I FELL ON SOME HARD TIMES I ASKED THEM TO FORGIVE THE LATE PAYMENTS AS A COURTESY BUT THEY CLAIMED THAT THE LATE PAYMENTS ARE ACCURATE BUT THEY ARE NOT THEY NEVER PROVIDED ANY VERIFICATION OF LATE PAYMENTS NUMBER ONE NUMBER TWO I EXPLAINED MY SITUATION OF BEING WRONGFULLY TERMINATED, EVICTED FROM MY HOME, LOSING MY CAR, LACK OF UNEMPLOYMENT BENEFITS, MY FAMILY DISOWNING ME DUE TO MY LIFESTYLE OF BEING XXXX AND BEING USED BY SO CALLED FRIENDS!!! THEY LACKED A LOT OF EMPATHY AND EMPLOY XXXX XXXX XXXX ALONG XXXX XXXX! THIS SITUATION HAS BEEN DAMAGING TO MY XXXX  HEALTH CAUSING ME TO XXXX  AND XXXX XXXX ALONG NO JOB OR HOUSING DUE THEM NOT REMOVING THE LATE PAYMENTS LIKE I ASKED, HOUSING FOR PUBLIC IS FULL AND MY SITUATION DOES NOT QUALIFY FOR A LOT OF ASSISTANCE PROGRAMS ARE LOW COST DUE TO THE SENSITIVE NATURE OF MY SITUATION!!!! THEY SEEM NOT XXXX XXXX XXXX XXXX XXXX XXXX AND THEY NEED TO REMOVE THE XXXX LATE PAYMENTS AND PAY {$160000.00} IN LOST WAGES!!!
Product: Credit card

Ally bank is charging interest on purchases for {$XXXX} when my entire card balance is only {$XXXX}. When I originally called on XX/XX/24, I was told that the interest was determined by my average daily balance. My balance is only {$XXXX} and has never been as high as their amount of {$XXXX}. In fact, my entire credit limit is {$XXXX}. 
I was told that I should call back in a few days to see if adjustments had been made to the interest amount. When I called back today, XX/XX/24, I was told a waiver request had been denied because I changed my payment due date, so I was still being charged an interest fee on the {$XXXX}. Ok, so I changed the due date, but I still don't owe {$XXXX}. I have never owed that much. This time, the rep said the only thing that could be done was to request another waiver to see if it would be approved this time. I asked how was the {$XXXX} determined, and the rep told me that, since I changed my due date, the interest rate included all purchases made from the original due date to the new due date. My original due date was the XXXX of every month, and I changed it to be the XXXX of every month. That change was requested in XXXX, and since XXXX, my entire amount due has only gone from {$XXXX} TO {$XXXX}. How does that explain the XXXX statement being charged interest for {$XXXX}? The rep told me I would, then, be transferred to another department who could possibly help, the " card services dept. '' I was on hold for XXXX minutes, I spoke to another rep who told me that XXXX doesn't make adjustments on interest fees, but that another request would be submitted to have another rep contact me to explain how the interest rate was calculated for {$XXXX} and not {$XXXX}. The expected return call is supposed to be within " XXXX business days ''. In the meantime, my payment is due, so if/when I make the payment will that be the same as accepting the interest fee?
Product: Credit reporting or other personal consumer reports

In alignment with the Fair Credit Reporting Act : The account listed below has transgressed my federally safeguarded consumer rights concerning privacy and confidentiality as delineated in 15 USC 1681. 

XXXX XXXX XXXX XXXX  XXXX, have all infringed upon my rights. 

According to 15 U.S.C. 1681, Section 602A, I am entitled to the preservation of my privacy. 

Additionally, under 15 U.S.C. 1681, Section 604A, Section 2, it is explicitly stated that a consumer reporting agency can not provide an account without my express written consent. 

Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) clearly specifies that no consumer reporting agency may include certain categories of information in a consumer report, excluding records of crime convictions that predate the report by more than seven years. 

Lastly, as per 15 U.S.C. 1681s-2 ( A ) ( 1 ), an individual is prohibited from providing any information pertaining to a consumer to any consumer reporting agency if they are aware or have reasonable cause to believe that the information is inaccurate.
Product: Credit card

Someone has been impersonating me and stole my personal information and identity and open up a fraudulent U.S. Bank XXXX XXXX credit card account # : XXXX. This account is fraudulent and do not belong to me. I have attached supporting documentation which includes my incarceration date. I was incarcerated from XX/XX/XXXX to XX/XX/XXXX. Based on the documentation provided, I 'm not liable for the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on AMER FST FIN. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Cash central has put this debt on my credit multiple times. I found the last complaint with the CFPB involving XXXX XXXX that resulted in the removal. Complaint ending in XXXX. At that time Cash Central did not supply XXXX XXXX with documentation confirming the debt and it was removed due to the debt being erroneously put on my report. You can find this compliant that was submitted to the CFPB on XX/XX/2018. Cash central has a history of putting incorrect information on peoples credit reports which can be found at this link XXXX XXXX XXXX 


At this point, Nothing further should be needed from me. This debt has been proven countless times to not be mine. Again, when a debt is found to be erroneous, it is illegal to re report that same debt to the credit bureaus. I received a letter from XXXX XXXX that they did not see the account reported any longer. Cash Central, if you have re reported again, please comply with the law and remove effective immediately.
Product: Credit card or prepaid card

Closed my account without a LEGIT reason. Pay my bill on time, not carrying a outstanding debt, and have not redeem my rewards points yet.