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

XXXX XXXX Wire Transfer issue This is to complain about my Wells Fargo bank saving account international wire transfer issue. 
My name is XXXX XXXX XXXX, I have Wells Fargo bank saving account ( account number XXXX ) and I did an online international wire transfer transaction on XXXX 
After I completed my online transaction, I called Wells Fargo customer service XXXX number to confirm my transaction at least XXXX times, every time they told me the transaction is fine without any error, the money is already in the recipients bank, and she should receive the transferred money in 10 days ( XXXX  ). 
I called Wells Fargo customer services XXXX number today XX/XX/XXXX again, and the representatives told me they are investigating my wire transfer case # is XXXX. This is the first time I hear about the money still not sent and there is a problem in my transaction. Whatever I heard from my previous phone calls were incorrect. The wire transfer should not take so long, and Wells Fargo customer service should not give different / incorrect answers for their transactions when I checked my wire transfer status before. Could you please help to resolve this issue? Thanks for your attention and support. 
Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

HARD INQUIRIES XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I received email in response to my visit To their website, stating " Dear xxxxxx, Congratulations! You've successfully signed up with myEquifax. 

What does this mean? It means that you now can now conveniently manage your Equifax security freeze, file and keep track of a dispute on your Equifax credit report, and place a fraud or XXXX XXXX alert - all in XXXX place, online. ... '' That may have been premature. I was there for the first time in over XXXX year to get an updated report and freeze my account. Both efforts were frustrated by my inability verify my identity using their measures. 

Equifax, it's not that hard! CFPB verified me in seconds. It works unless you assume someone else is sending you my valid driver 's license, operating my email and cell phone and should have all the garbage you collect under my " account '' memorized for your pop quiz about what is contained in that alleged record you keep under my name. 
At this point, I'm sure it's great for your data sales and equally damaging to me. You are welcome to convince me otherwise. 

I has been XXXX month since your ServicXXXX Representative assured me they had escalated my concerns to a management team who would contact me but I heard nothing more from Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TRANSUNION, AND XXXX ARE REPORTING MISLEADING AND INCORRECT INFORMATION ON MY CREDIT REPORT. THEY ARE REPORTING A COLLECTION AGENCY NAMED XXXX ON MY CREDIT REPORT WHEN I HAVE NO ASSOCIATION WITH THIS COMPANY. THE ORIGINAL CREDITOR IS XXXX XXXX XXXX XXXX XXXX AND THEY SOLD THE ACCOUNT TO COLLECTION AGENCY XXXX XXXXXXXX XXXX XXXX XXXX. YOU ARE ALSO REPORTING DIFFERENT DATES FOR DATE OF LAST PAYMENT AND DATE LAST ACTIVE. HOW IS THIS ACCURATELY REPORTING WHEN ALL DATA FURNISHED SHOULD BE CONSISTENT? THIS IS A COMPLETE FCRA VIOLATION INCLUDING REPORTING A DIFFERENT COLLECTION AGENCY FOR THIS ACCOUNT. I AM DEMANDING THAT THIS ACCOUNT IS DELETED IMMEDIATELY.
Product: Credit card or prepaid card

On XX/XX/2022 I purchased ( 6 ) XXXX XXXX as you go prepaid XXXX each at the XXXX XXXX XXXX XXXX located in XXXX XXXX XXXX Louisiana the total of all ( 6 ) cards totaled {$3000.00}. I have never used these cards before and a employee from XXXX asked me what I was looking for and i said XXXX gift cards.She picked up 6 as i requested and said to go to customer service and purchase. I did and went home to activate cards. Once I completed I tried to use cards and couldn't. I then read info and found out cards had to be registered. However I tried registering cards and it wouldn't process. This is my first time ever to use this XXXX card when I started reading I realized they were the wrong cards and in fact were not gift cards. I am at a loss because I can't use the cards and i can't use the atm machine to get money back. I am not familiar with your cards and i personally never would have purchased said cards had i not been told these were gift cards. I am XXXX XXXX XXXX and can't lose this large amount of money. I was purchasing to help a family member in need and now i can't. I am requesting to be reimbursed as soon as possible and would like to redeposit into my account asap. I beg of you I'm not in the habit of making such a mistake. But i did can you please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the bureau over 8 times to correct multiple address that was found incorrect on my credit profile. The Representative did correct some addressees. The representative stated to me that the other 2 address can not be deleted. I called the creditors that I never did business before and stated them I do not know these companies.The companies are XXXX XXXX XXXX. The other business is XXXX XXXX  .Stated in 15 U.S code 1681 B, c-1, an c-2 these false info most be removed.Also the incorrect addresses are XXXX XXXX XXXX XXXX XXXX Fl XXXX and XXXX XXXX XXXX XXXX  XXXX XXXX XXXX fl XXXX. This is my XXXX time contacting these credit bureus to fix these incorrect information.The next step will have to send a cease and desist letter.I did every stage to verify that these address were not mines and also the accounts.I am starting to getting emotional damage.I have also uploaded my identification with my correct address to this complaint/dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a complaint to Experian about multiple inaccuracies on my credit report. They received my complaint on XX/XX/XXXX and responded that the information appearing on my credit report was verified. I believe this to be untrue because XXXX and XXXX both display different information from Experian. 

XXXX acknowledged the information was inaccurate on my report and XXXX removed all of the inaccurate information. My credit report as of XX/XX/XXXX has the same inaccuracies from XX/XX/XXXX. Experian did not take the necessary steps to verify my credit profile contained accurate information nor did they remove it per my request. 

According to 15 U.S. Code 1681 ( b ) It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Also according to 15 U.S. Code 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$1100.00} ; XXXX XXXX XXXX Opened : XXXX XXXX, XXXX Balance : {$710.00} ; XXXX XXXX XXXX XXXX XXXXX Opened XXXX XXXX XXXX XXXX XXXX Balance : {$520.00} ; XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX ) XXXX Opened : XXXX XXXX XXXX XXXX Balance : {$500.00} ; XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a method of validation on XX/XX/2023. The collection agency has yet to respond. I am requesting a deletion of these accounts from my consumer file. They are reporting " Unverified/inaccurate information '' which is a violation of Section 623 ( a ) ( 1 ) ( A ) & ( B ) ; and Section 623 ( a ) ( 8 ) ( E ) of the FCRA.
Product: Credit card or prepaid card

I sent this letter t o Citibank for a  dispute that a seller and I agreed upon for the service being provided but after more than 1 month of promising valued service, there were no expected results and the seller try to take off without providing service which is a fraud and a crime. So  Citibank " claims '' to  have sent me a notification to my awareness of responding to the situation, however, I  did not receive any emails ( which I normally do receive especially in response to disputes ) ab out the updated case, so they instantly closed the case expecting my response on  XXXX / XXXX /  XXXX   and reversed the transaction to the fraud seller, therefore me losing the case an  d having to pay the Citibank to a fraud seller.
So a chat representative suggested that I send Citibank a personal typed out mail which I did. I will attach the typed out mail that I sent in the attachm  ents below. I did receive their response to my letter and it was just a repetition of " Since no reply was received by this date, the dispute was closed. '' This did not help my case whatsoever with ALL   the evidence I provided to back up my case and that I was not wrong-doing in this situation. Citibank has helped a fraud seller gain and helped me lose. There was no consideration of the evidence that I provided for Citibank to reconsider. It was not my fault that I did not receive ANY emails from them for updated disputed cases.
Please allow Citibank to acknowledge the fact that they are helping frauds who do n't provide services to get away wit  h these cases which make their system very flawed.     Thank your reading.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 

They also violated the law because according to : 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. 

The credit bureaus never did a proper investigation according to the FCRA. Listed accounts : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or acquainted or who may have knowledge concerning any such items of information. 

They did not do this!! 

Also, they have violated my rights even more. 

In accordance with the Fair Credit Reporting everything has to be 100 % accurate on my credit report. The credit bureaus stated my account was properly investigated but how is that? If the open date inaccurate, the date last activity is inaccurate, amount inaccurate, and date last reported inaccurate. This is a violation and grounds for immediate removal.
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XX/XX/year>, and noticed some things are incomplete, inconsistent and inaccurate.and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.these accounts XXXX XXXX  acount # # XXXX XXXX XXXX  acount # XXXX XXXX XXXX  acount # XXXX XXXXXXXX XXXX XXXX acount # XXXX XXXX XXXX account # XXXX XXXX XXXX  acount # XXXX XXXX XXXX XXXX account # XXXX, are not complete and accurate reporting inconsistent information across all 3 credit bureaus.and one more thing according to15usc 1681s-2 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.please stop violating my federally protected rights.delete the inconsistent inaccurate accounts immediately or pay {$1000.00} per violation.mail my check to address on file.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Formal Complaint Regarding Experians Handling of Disputes for Late Payments Dear Sir/Madam, I am writing to formally lodge a complaint against Experian regarding their failure to properly investigate and resolve my disputes related to four late payments on my credit report. Despite my repeated efforts to have these inaccurate late payments removed, they remain on my report, adversely affecting my credit score and overall financial well-being. 

I initially began disputing these late payments in XX/XX/year>, continuing through XX/XX/year>, without any resolution. Frustrated by the lack of progress, I resumed my efforts in XXXX XXXX XXXX XXXXXX/XX/year>, yet Experian has continued to mishandle my disputes. Their failure to conduct proper investigations and resolve inaccuracies violates my rights under the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, credit reporting agencies are required to : Conduct reasonable investigations of disputed items ( 15 U.S.C. 1681i ).

Correct or delete inaccurate, incomplete, or unverifiable information ( 15 U.S.C. 1681c ).

Refrain from re-inserting inaccurate information without certifying its accuracy and notifying the consumer ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ).

Experians repeated negligence in addressing these disputes not only breaches these provisions but also significantly threatens my access to credit, employment, and housing opportunities. This ongoing issue has caused undue stress and has hindered my ability to maintain a clean credit report, which I am entitled to under the law. 

I respectfully request that the CFPB take immediate action to ensure Experian complies with their obligations under the FCRA. I also ask for the removal of these erroneous late payments from my credit report, restoring my credit score to its rightful state. 

Thank you for your attention to this urgent matter. I trust that the CFPB will take the necessary steps to enforce compliance and protect consumers like me from such detrimental practices. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I cut a check for a vendor by using my on line Chase Bank Business checking payment. The moment I wrote the check out, Chase Bank removed the money from my bank account. Chase Banks ' check for the vednor had the correct. The vendor waited everyday for the check to arrive. The Chase Bank Check never arrived. Now I am forced to pay an interested on the late money and pay the full amount of the check. The money is somewhere in The Chase Bank. When I contacted Chase to address this problem. I was advised to cancel the so check and that the money would be put back into my Chase Bank Business account. When I called Chase Bank an unprofessional woman and rough women spoke to me on the phone. The unprofessional and rough Chase Bank Representative informed, that in now way was Chase Bank, responsible to pay the late fee and that I would have to wait at 5 day before Chase put the money back into my account. When I called another person at Chase Bank regarding this issue he told me that Chase would pay the late fee and the money would be back in my account within 24 hours. 
At this point, Chase Bank has still not put my money back in my Chase Bank account. I am responsible for the payment to the vendor and a late fee.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Re : Request for Deletion of Reinserted Collection Account XXXX XXXX XXXX : [ # XXXX ] {$620.00} Dear XXXX, I am writing regarding a collection account that was previously deleted from my credit file but has now been reinserted without proper notice, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

Under the FCRA, if an item is reinserted into a consumers credit file, the CRA must : 1. Notify the consumer in writing within five business days of the reinsertion ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ) ).

2. Verify the accuracy of the information and certify that the item complies with all FCRA requirements before reinserting it ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( i ) ).

As I have not received any written notification of this reinsertion or evidence of verification, I demand the immediate deletion of this account from my credit file. Failure to provide proper notification of reinsertion or to verify the accuracy of the information is a violation of my rights under the FCRA. 
To facilitate the investigation, I have included the following documents : A copy of my government-issued ID ( drivers license or passport ) I request that you : 1. Delete the collection account immediately.

2. Send me written confirmation of the deletion.

3. Provide the name and contact information of the furnisher of the reinserted account if verification occurred.

If you fail to comply with my request, I will have no choice but pursue legal action to protect my rights. 
I expect a response within 30 days, as required under the FCRA. Please send all correspondence regarding this matter to the address listed above. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that I am the victim of identity theft. Several accounts were opened in my name without my consent, knowledge or approval. At no point did I benefit financially from these accounts. Upon checking my credit report I found the following accounts and inquiries that were not authorized by me and that I did not have any knowledge of. Accounts open without my knowledge : XXXX XXXX XXXX XXXX # XXXX**** XXXX XXXX XXXX XXXX # XXXX**** Credit inquiries without my knowledge : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX, XX/XX/XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX The following address does not belong to me and is a result of fraud : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX The following phone numbers do not belong to me and are a result of fraud : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never lived nor have I been associated with anyone who lives at the address XXXX XXXX XXXX . I have attached a copy of my current lease agreement showing where I live which shows that I moved inXX/XX/XXXX and signed the lease for 1 year. These accounts were opened online and the cards/checks/paperwork mailed to a third party address I am not associated with.
Product: Bank account or service

I put money on my Rush Card, went to use it and it was a no go. Went on line to check my account and the webpage showed a XXXX balance. Tried to call their customer service and got some long winded gobbley gook about contacting them and the problem was being worked on, and on they went. Now they say that I have no money on their, which tells me that the problem STILL is n't fixed!!! This is totally unacceptable. I have had to borrow to pay utilities and explain to my landlord about my rent. I feel like such an XXXX for trusting this card. NEVER AGAIN!! It is now XXXX XXXX, 2015 and STILL no fix on the card!! They are gaining the interest at the bank where this money is stored and you can bet your life that the customers of this card will NEVER see a dime of THAT!!!
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I stared getting alerts that someone pulled my credit for capital one ( Hard inquiry ). I looked into all my account at started emailing me, so I called capital one and told them whats going on. They advised me to call XXXX XXXX, and XXXX  XXXX said that they would mail me some paperwork, and that I need to contact yall to let you know whats going on, and go from there. I did not acquire about a new card, and I will not be applying for one right now I have enough, and I was trying to get my hard inquires down. My credit was at like the XXXX range, but it had dropped since the purchase of a card and the inquires. What do I need to do next
Product: Money transfer, virtual currency, or money service

XXXX. I was mislead by a scammer on the internet posing as someone who wanted to help a college student financially by sending me money. They first " got to know me '' and then said I would get an allowance of XXXX $ a week, just for companionship and talking with them. He then had me do an " errand ''. He sent me a check for {$2500.00} and asked me to deposit {$2200.00} of it into Cash App. Somewhat suspicious, I called my bank and ask if the check cleared. They said yes ( little did I know a check can take weeks to clear ). After I deposited the money into CashApp and sent it to the username on CashApp of " XXXX XXXX '' ( who also had another account " XXXX XXXX ''. I was extremely suspicious. I looked on the check that was sent and called the bank which is was from. I asked them if the listed account number had funds available and they said no. That is when I knew it was a fake check. So basically they gave me a fake check, had me transfer the fake money into a third party cash website, and I am left to pay the {$2200.00} back to the bank. I have contacted CashApp Support an insane amount of times, asking that they please refund my transactions, because they were a scam. Notoriously, they did not respond. Many forum pages talk about how bad Cash App is about scams and dealing with them, and they feel no responsibility toward victims of internet crime. I should have got my money back under the " Merchant didn't hold his end of the bargain rule '' by default, by providing no service, no product, except stealing my money. I emailed CashApp multiple times regarding this issue just to get an automated " sorry, nothing we can do '' message. Taking the loss for the scam is going to seriously damage me financially. Please Help.
Product: Debt collection

Order number # XXXX from XXXX XXXX was timely cancelled, and therefore never shipped/delivered or received by us. This order was initially financed through XXXX, and they did not updated the loan as cancelled and removing the charges. The account was recently referred to collections to Firstsource Advantage. 

We have made multiple unsuccessful attempts to have this information corrected and avoid credit impact, however all parts have not taken the necessary steps to have this issue resolved.