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

A wire transfer was initiated from XXXX bank to my business account with Chase Bank on XX/XX/2021 for the amount of {$50000.00} in order to close escrow on a new business. The funds cleared XXXX bank immediately. When we noticed later that day that the amount didn't go through, we called Chase. The representative didn't have an answer but told us to use the XXXX XXXX XXXX. We then sent a message on XXXX/XXXX with the needed information - that message still hasn't been returned. Each day since, we have called and messaged Chase without any concrete response or next steps. If we are unable to have our transfer by tomorrow, we will fall out of escrow and lose our business. Currently, Chase is holding {$50000.00} of ours and will not get back to us in any shape or form. This is devestating.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting unauthorized inforomation on my behalf. Under the law permissable purpose any consumer reporting agency may furnish a consumer report under the following cicumstances and no other. This company is reporting a bankruptcy. In accordance with the written instructions of the consumer to whom it relates. This is under the US code 1681b ( a ) ( 2 ) Permissible Purpose. I have not given XXXX XXXX any permission to do the following. XXXX XXXX is reporting information to XXXX and Experian which is in direct violation to me according to the above stated law. Due the violation of this law XXXX and Experian are also in violation of this law. Failure to have this information deleted will result in me filing a law suit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX I have been attempting through various methods to have an account that was the result of identity theft removed from my Transunion report. The account was briefly removed but the original creditor, XXXX XXXX, requested that Transunion put it back. I just spent an hour on the phone with your customer service and a supervisor trying to once again get this straightened out to no avail. 

I sent my affidavit of fraud once again via certified mail on XX/XX/XXXX ( USPS XXXX ). It was received at your XXXX PA location on XX/XX/XXXX. Upon speaking to your offices this morning, I was informed that there was a new investigation filed. There should be no investigation. Once the Affidavit of Fraud is submitted, the information is to be permanently blocked according to the Fair Credit Reporting Act. The supervisor, XXXX, told me that Transunion has no power to remove an account. If the creditor requests that it be added back that Transunion has to add the account back. She also informed me that Transunion does not need to see any proof or documentation which I know to not be correct because federal law states that you must report accurately. How can you ensure that you are reporting accurately with no proof that an account belongs to a consumer? Her only suggestion was to go back to the original creditor who have already informed me that they have no original contracts that prove the account belongs to me. The supervisor also mentioned XXXX which is known to be inaccurate, is not considered a reasonable investigation, is not acceptable as to your company doing its due diligence and there is case law against using XXXX  for investigations. 
************************************************************************************************ ( 1 ) This is a closed account that is reporting a credit limit, closed accounts should not show a credit limit. Factual Error ( 2 ) You are reporting late payments years after the closed/charged off date. How can I be late if the account is closed? Factual Error ( 3 ) This account was removed from my Equifax report last year and re-added without the required 5 day notification which is required by law FCRA Violation ( 4 ) I was told by XXXX XXXX XXXX that they could not provide me with physical documentation PROVING the account is mine. How are you keeping an item on my credit without having evidence that it belongs there. You are obligated by law to report only factual information. You can not report factual information without having documentation which I have already been told by the original creditor does not exist FCRA Violation ************************************************************************************************ I ask that this information be permanently removed from my file without the ability to reinsert it simply because the original creditor asks. If this issue can not be resolved in the next 30 days I will seek damages in small claims court including but not limited to defamation, and any monetary amount allowed under the FCRA.
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 XXXX # XXXX, Account name : Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX XXXX Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name XXXX XXXX XXXX # XXXX, Account name XXXX XXXX # XXXX, Account name : XXXX XXXX  XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX # XXXX has violated my rights 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 an 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.
Product: Credit card or prepaid card

I got a {$300.00} prepaid XXXX at a XXXX conference last year. I used it once and I noticed today that the expiration date is XXXX. So according to your web site, https : //www.consumerfinance.gov/ask-cfpb/if-my-prepaid-card-expires-do-i-lose-my-money-en-423/ I should be able to get a new card to use the rest of the balance. 
I called the 800 number on back of the card and they told me that was not possible. That it was expired and could not be renewed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, My name is XXXX XXXX XXXX I change my name when I become a citizen of the U.S.A I have the same social but It have nothing on me " XXXXXXXX XXXX XXXXXXXX '' Im not sure why, please help thank you. 

My address is XXXX XXXX XXXX XXXX florida XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a fraud / security freeze on my credit file with equifax and I requested them to remove it and delete it SEVERAL TIMES BY WRITTEN NOTice I also sent in proof of Identy as per their request several times It is still frozen for promotional reasons I want it deleted / removed ASAP its hindering my ability to buy anything. They are refusing to take care of this matter for me
Product: Credit reporting or other personal consumer reports

I am presenting this complaint to inform you that my credit with your company appears to have been compromised. Despite submitting an FTC report, I have noticed that certain items are not being removed. This is my new attempt to address the issue of misleading credit reporting. I am disputing these items as they do not correspond to any transactions for goods, services, or money that I have conducted or authorized. I request the removal of any incorrect information from my credit 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  Balance Owed : {$0.00}. The items in question are unfamiliar to me. Moreover, other credit bureaus have already deleted this information, leading me to doubt its accuracy and the reported payment history. Under FCRA 605B ( c ) ( 1 ) ( C ), you have the authority to rescind such items.
Product: Student loan

This loan is too high. I am having trouble paying it. I did not graduate from this institution because I was not well prepared by the faculty and administration. I am stuck struggling to repay a loan for a school I did not graduate from in a field that I am not currently in.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX  XXXX  data breach as well as XXXX 's XXXX  data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX 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: Mortgage

In XXXX, I received a notice stating that I failed to perform according to the terms of the loss mitigation option provided. I was conditionally approved for a mortgage modification and my loan was to be modified after successfully completing XXXX, XXXX and XXXX payments. When I called to make XXXX payment I had funds sitting in suspense. I was advised that those funds could be applied to XXXX payment and was given the balance to pay. I paid the XXXX payment minus the suspense balance and I paid XXXX and XXXX payment in full. 

I called Key Bank for 2 months to check the status of the modification and was finally told that I was misinformed by the representative and that XXXX payment should have been paid in full and I would be receiving a letter stating I failed to comply. 

I requested an appeal on XX/XX/25 and received a written response stating that my appeal was under review. I have yet to get a decision or anything in writing on the appeal. I call Key Bank today, asking for the status of my appeal and I was told there isn't one and my only option was to request another modification.
Product: Credit card or prepaid card

Quick Summary : Purchased Disputed the Amazon Refunded on XX/XX/XXXX Chase returned payment to Amazon on XX/XX/XXXX ( via letter to us. Rebill was noted on XXXX statement between XX/XX/XXXX and XX/XX/XXXX ). 
Redispute declined by Chase ( via letter of XXXX, XXXX ) Email on XX/XX/XXXX from Amazon states that Chase returned money to them and they consider the matter closed and will not refund the money back to our account. 

Detail : XX/XX/XXXX : Purchased an adjustable bedframe through Amazon third party seller. Third party sent incorrect frame ( lesser quality model ). I requested a refund through Amazon. The third- party seller either ignore my requests for proper return shipping and schedule pick-ups or continued to send me the parcel select label from the USPS . This method only allows for a max of 70lbs. The item is 114 lbs. Finally, on XX/XX/XXXX, Amazon and the third party agreed that they would permanently refund my money and that I did not need to return the item. 

Prior to the refund going through, I filed a dispute with Chase, the credit card I used for the purchase. When they asked for documentation, I sent it through my accounts secure messaging system noting all of the communication I had with Amazon and the third-party seller up to that time ( prior to XX/XX/XXXX ). 

XX/XX/XXXX, we received notice from Chase that Amazon verified that the charge was valid ( not ever mentioning the communication I had with them and the third-party seller ). When I called Chase, they said they never received my documentation but said I could submit a redispute, which I did. I sent all information, including documentation of the permanent refund on XX/XX/XXXX. On XX/XX/XXXX, I received a letter from Chase stating that they again denied my dispute and that the charge will stand. They said that since they already returned the money to Amazon, they cant take it back again. Similarly, Amazon said that since Chase returned the money to them, they cant give it back again. My wife and I have called Chase several times to address all of this and even the dispute manager is refusing to acknowledge the documentation I submitted during the redisupute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. 3 Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX : {$150.00} ; XXXX XXXX XXXX XXXX : {$9700.00}.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.
Product: Credit reporting or other personal consumer reports

Transunion is illegally reporting wrong birthdate information on my credit report even after filing a compliant with your company. 

They are also in direct violation of 15 USC 1692 c ( c ) XXXX XXXX XXXX XXXX They have put information on my credit report without my consent or proper investigation direct violation : If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. 

They have repeatedly ignored my request and sent stall letters. This is for tracking purposes for my attorney as I have everything I need to proceed with their incompetence.
Product: Debt collection

Portfolio Recovery has called me a numerous amount of times since XX/XX/. One of the times they called around that date I told them hey Im at work. Ill give you guys a call when I can talk. Please dont call me I will call you. They attempted to repeatedly call me from different numbers every day since then. All throughout the day they have called me. Their behavior constitutes harassment. A violation of 15 USC 1692d. Im demanding a settlement of XXXX $ from your company or I am looking to pursue litigation. I am XXXX XXXX and my primary source of communication with my customers is through my phone. when you guys repeatedly call me your company is disrupting my business of service & impacting my ability to make money. If you need to contact me please email me ONLY at XXXX You have 7 days to respond to my complaint.
Product: Credit card

Since XX/XX/XXXX and through XX/XX/XXXX, XXXX was fraudulently charging my credit card with Aspire ( card ending XXXX ) for a total of {$260.00} for alleged meal plans I never authorized nor received. I contacted Aspire and while they credited the account after closing same, they reversed the credits on XX/XX/XXXX and expect me to pay for something not authorized and not received. Attached are documentation sent to Aspire.
Product: Mortgage

We sold our house in XXXX 2014 and we received the FULL RECONVEYANCE along with a check for the money we made from the sale of the house. We did n't know until now when we are trying to buy a house that OCWEN destroyed our credit because they said our house was paid for less than the balance. I have been fighting with them for months and they now say we owned them almost {$10000.00} and they refuse to clear our credit report to show the house was paid in full. The title company and the Escrow company has even been involved and does not understand. OCWEN claimed they voided out the payoff quote and gave a new one however, no one ever saw it and it was done after the house was paid in full and we received our FULL RECONVEYANCE. Again, they refuse to change our credit reports and they claim we owe them almost {$10000.00}.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report, and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Product: Debt collection

On or around XX/XX/XXXX I received a call from XXXX at XXXX XXXX XXXX XXXX claiming to be trying to collect a debt from a credit card from XXXX. I was threatened with a law suit, liens on my home and bank account. I got angry and he hung up on me. I felt bad so the next day I called this company back and spoke with a gentleman named XXXX XXXX I explained to him that I did not have the money to settle this debt, in the amount of XXXX, so I was offered a settlement amount of XXXX which I thought was something I could do given some time. XXXX asked me if I could pay XXXX and that would lock in the settlement amount, and that I would have until XX/XX/XXXX to pay the remaining balance of XXXX. I reluctantley gave him my checking account information, stating to him that I was not comfortable doing so, he promised me that no other monies would be taken out of my account without my ok. I was told that he would keep in touch to see where I was financially. I spoke with XXXX again on XX/XX/XXXX at which time I was thinking that I would have the money in the bank, but was not 100 % sure ... so he said he would call me the day before it was due, which would've been XX/XX/XXXX. On XX/XX/XXXX XXXX had contacted me, at which time I told him that I did not have the money in my account, he informed that by not settling this case I would be sued, I would have a lien on my home, on my bank account ... and I told him that unfortunately I would have to take that chance I had not realized that they money had already been deducted from my account ... he acted as though he had no idea. On XX/XX/XXXX a deposit had been made into my account, which I was using for my mortgage payment. Low and behold that on XX/XX/XXXX I went to the ATM to make a small withdrawal, it was rejected stating there were insufficient funds, I then looked at my account on my phone and saw that on XX/XX/XXXX a payment of XXXX was withdrawn and sent to XXXX XXXX XXXX XXXX. I was livid, this left my account with XXXX in it, which in turn my house payment bounced. I called XXXX at XXXX XXXX XXXX XXXX and he told me that is what my agreement was, that I was told that the payment was due on the XXXX, and that I postdated the checking information for that day. I told him that I did no such thing, I told XXXX on the XXXX that I would not have the money for XX/XX/XXXX. Therefore they took the money out of my account without permission, they stole my money ... .I have tried to email them, but it comes back stating access denied ... ..I am at wits end. I have contacted the XXXX XXXX 's office in XXXX County. I have also filed a complaint with the XXXX ... ..I will pursue charges if forced too.