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

I am from XXXX. I am facing a email fraud and our company lost a lot of money which is planned to buy the USA goods. 
1. The invoice is confirmed on XXXX XXXX between us ( the correct USA seller and XXXX buyer ) ; 2. On the second day, XX/XX/XXXX, the fraud email replied me and my boss ( along with previous email, very careful camouflage methodNow this email addresss is unreachable ), asking us to pay for a new bank info. This bank has the same vendor 's name, bank name and SWIFT CODE. 
3. The payment is done on XX/XX/. 
4. We realize the problem in XX/XX/XXXX when my boss vidoe meeting with the vendor 's person who says their company still HAVEN'T received the money. 
5. We report this case to local XXXX Police Station XX/XX/XXXX, at the same time asking our bank XXXX to recall the money. 
6. By now, the Chase Bank still haven't replied us. I think they released the money without careful check, as the wire transfer has clearly said it is for the seller ( vendor 's name, bank name and SWIFT CODE ), although the account is wrong. They should refund directly to our XXXX XXXX, or let our bank double check it before releasing to the cheater. 
Can we hold harmless from Chase Bank? 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

The following inquiries were not authorized by me XXXX XXXX
Product: Checking or savings account

I have been trying to contact Someone in the fraud department from M & T Bank for Three days. Hold times have been over 3 hours. I finally got through and was hung up by an automated teller.

I have tried transferring money from online checking account to XXXX XXXX XXXX and I keep getting a message to call my bank. I have had zero luck contacting my bank and at risk of being late for a loan. 
please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX never gave ( XXXX, XXXX, or TransUnion ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached to this dispute. 
I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.
Product: Debt collection

Portfolio Recovery is constantly calling me multiple times a day. I 've had days where they call me a minimum of XXXX times. They use different numbers from all over the United States. I block XXXX number and they call me a little later from a different number. They call me on my cell phone using tons and tons of numbers every day of the week. They call my house phone every day of the week at least 3 times a day. There is no rest from them whatsoever and it 's harassment at this point. I do n't even know what the supposed debt is. I know I have debt but I do n't remember ever being told what debt this is. They call and never leave voicemails. I search the numbers and find out it 's them.
Product: Debt collection

On 3 different times Ive disputed this account, had it re-investigated and also spoke with Midland to resolve this issue of validation and inaccurate reporting. They continue to update with the Credit Bureaus and the information is not being properly verified on their behalf as well. The Month of XXXX, XXXX, XXXX, XXXX & XXXX have been verified without notification to me the consumer as to how and Im receiving all the damaging information to my Credit Report.
Product: Mortgage

On XX/XX/XXXX, I applied for a re-finance mortgage with my mortgage company Caliber Home Loans located in XXXX California, loan officer XXXX XXXX. My regular mortgage is at 4.125 % ( fixed over 30 years XXXX, and he told me I could re-finance at a lower rate of 3.25 % so my monthly payments would decrease about $ XXXX. About XX/XX/XXXX, I talked to a credit card company about re-adjusting my payments due to Covid-19 hardship. They agreed, however, they did not process the change properly, and as a result, my credit rating went down. They acknowledged the mistake, and corrected it. XXXX told me as soon as my rating was corrected, the re-finance loan would go through. He said it was corrected, however, it has now been almost 8 months, and I am still waiting to get the re-finance loan finalized. The problem is that my hours at work have decreased substantially, and the saving of $ XXXX with a lower mortgage rate would have helped tremendously. In the meantime. XX/XX/XXXX, my mortgage increased by over $ XXXX/month. Also, in the meantime, mortgage rates have dropped. I received a letter from XXXX back in XXXX explaining that due to Covid, things are moving slow and that it would take another 45 days for the loan to be finalized. Here it is XX/XX/XXXX, and still nothing. I've sent emails and made phone calls to XXXX almost weekly, and he will not return my calls or emails, except to say he is working on it. I don't trust this company now, and an very upset that I am losing money to them every month. He won't tell me where the loan is being held up, and I have asked repeatedly for detailed time-lines as to the progress of this re-finance loan. It has been almost 8 months now, and with my job issues due to Covid, I am getting more into debt, my credit rating is dropping, and I'm worried I won't be able to make mortgage payments in the coming months. I am feeling extremely stuck and frustrated, because I could have applied ( and did XXXX to other companies and had this settled, however, XXXX promised me staying with Caliber would cost less, and he could save me more money. With less employment and a lower credit rating, there's a good chance I now would not qualify for any other companies.
Product: Credit card

Comenity Meijer. Got an offer for balance transfer zero interest until 2018. I initiated the balance transfer online from this card to XXXX for {$900.00}. It posted to my account XX/XX/XXXX. I followed up got late fees and interest. It never posted. Comenity indicated to wait, it could take weeks or months. In XXXX I believe I contacted them again via messaging. Finally they opened up an investigation. In XXXX I received a letter that it was never cashed and I called to have the money returned to my account. They advised they would stop payment immediately and get the money back into my account. They never did. Called again in XXXX and they said they 'd investigate. Never called back. Called back again and was told it was cashed so I asked ONCE AGAIN for a copy of the cancelled check. I was told a request would be escalated. Instead I got a letter confirming the check number XXXX cashed and they were closing out their file. I called today for a copy of the cancelled check AGAIN and the rep said the next day notes were put in the day after the letter was generated, XX/XX/XXXX, that check was NOT cashed. I said then stop pay and refund my account immediately. She said she 'd send to the person assigned to look into this. My first inquiry was XXXX and now it 's XXXX and I am out of {$900.00}. I need this resolved immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello i need Help Please? Over 75 FCRA Violations have occured! 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 FCRA 15 U.S.C 1681i Procedure in case of disputed accuracy. Also 15 U.S.C 1681 section section 602 A and 604 A Section 2. 

i filed complaints with the CFPB on XX/XX/XXXX for previous violations of the FCRA regarding disputes and inaccuracies being reported by experian credit reporting agency or bureau which is negatively affecting me. It has been over XXXX weeks since XX/XX/XXXX over 49 days later the complaints and disputes have not been resolved when by law they are supposed to be resolved with 30 days or max 45 days after 15 day extension. This alone is grounds for deletion
emoval but there are alot more violations. 

XXXX XXXX XXXX  Account number XXXX XXXX  XXXX Account number XXXX XXXX XXXX Account Number XXXX Reporting 75 NEGATIVE MONTHS! 

EXPERIAN DID NOT provide additional relevant information during the 30day period EXPERIAN DID NOT resolve the dispute with 30 or 45 days EXPERIAN DID NOT give me all the relevant information it gets within five business days of receipt EXPERIAN DID NOT promptly give additional relevant information provided by the consumer. 
EXPERIAN Must respond to the notification of the dispute within the specified times so EXPERIAN must delete the disputed information from its files FCRA 623 ( b ) ( 1 ) You must complete these steps within the same time allowed under the FCRA for the CRA to resolve the dispute. Normally, this is 30 days after the CRA gets the dispute from the consumer. If the consumer provides additional relevant information during the 30day period, the CRA has 15 more days to resolve the dispute. The CRA must give you all the relevant information it gets within five business days of receipt, and must promptly give you additional relevant information provided by the consumer. If you dont investigate and respond to the notification of the dispute within the specified times, the CRA must delete the disputed information from its files. FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) 15 U.S.C 1681 section 602 A. States i have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of crimes which antedates the report by more than seven years. My rights have also been violated under 15 U.S.C. 1681s-2 Furnisher Rule 660.4 ( a ) and Furnisher Rule 660.4 ( XXXX ) Please note all these accounts are all closedcharged off or settled	ransfered since XXXX Experian is report wrong inaccurate credit reporting that doesnt appear on transunion or equifax so not accurate or valiated or valid. Thanks
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently received a copy of my credit report, and I noticed some Inaccurate accounts posted on my credit report : 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

Your company is in clear violation of the law. Under 15 USC 1681b - the permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( XXXX ) EXCLUSIONS Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Transactions in this matter includes payment history, because its my transaction with the line of credit that the person corporation extended to me the consumer. 
Delete the above inaccurate accounts from my consumer report, this agency is in violation of 15 USC 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character ( per XXXX ) XXXX. Negligent Enablement of XXXX XXXX XXXX. Fair Debt Collections Practices Act 15 USC 1692g violations XXXX. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX Please see the attached file.
Product: Payday loan, title loan, or personal loan

I made XXXX consolidation loan # XXXX with Pentagon Federal Credit union and I was looking why my account after almost 3 years or 28 payments exactly is still XXXX from a loan of XXXX and I called them and Supervisor Lan employee number # XXXX on Saturday XX/XX/XXXX at XXXX XXXX told me that she thought my loan had a maturity date on XX/XX/XXXX and I told her that after 28 payments with only 3 of them sent the principal and all of the other 24 payments are being going to interest only and no part to the principal she told me that I had signed if I ever made a payment on late they will be charging me interest of the loan until it was covered fully and its a XXXX a month which on my calculations will be never paid. This is a predatory lending as I have verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX incorrectly reported me to a collection agency called, First Credit. This agency reported I owe {$130.00} to the credit bureau which impacted my credit score. The information they are reporting is in correct. I called anytime fitness and they advise. There is nothing they can do but yet they are reporting incorrect information to the credit bureaus through this collection agency. They refuse to assist in anyway.
Product: Credit card or prepaid card

Was unemployed for a while reached out to the company for a one time payment settlement they refused.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX XXXX I am writing to formally request the blocking and deletion of accounts that were fraudulently opened in my name as a result of a data breach. This request is made pursuant to 15 U.S.C. 1681c-2 ( a ), which provides protection for victims of identity theft. 

The following accounts, appearing on my credit report, have been identified as unauthorized and fraudulent : XXXX XXXX XXXX XX/XX/XXXX {$28000.00} XXXX XXXX XX/XX/XXXX {$4100.00} XXXX XXXX  XXXX XX/XX/XXXX {$20000.00} XXXX  XXXX XXXX XX/XX/XXXX {$11000.00} XXXX XXXX  XXXX XX/XX/XXXX {$25000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$28000.00} XXXX XXXX XX/XX/XXXX {$4100.00} XXXX XXXX XXXX XX/XX/XXXX {$20000.00} " XXXX  XXXX " XXXX XX/XX/XXXX {$11000.00} XXXX XXXX  XXXX XX/XX/XXXX {$25000.00} ( Experian ) experian XXXX XXXX  XXXX XX/XX/XXXX {$28000.00} XXXX " XXXX " XX/XX/XXXX {$4100.00} XXXX XXXX  " XXXX XXXX XX/XX/XXXX {$20000.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$25000.00} XXXX XXXX XXXX XXXX  Credit Cards XX/XX/XXXX Experian XXXX XXXX XXXX All Banks XX/XX/XXXX Experian XXXX Mortgage XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX Experian These accounts were not authorized by me and are a result of the data breach that compromised my personal information. I have attached the necessary supporting documentation, including a copy of my identity theft report and any relevant information related to the breach.

Please process this request and confirm in writing once these accounts have been blocked and deleted from my credit report.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I did not owe anything from these Debt Collectors ; XXXX. XXXX XXXX XXXX XXXX XXXX 
XXXX. TRIDENT ASSET MANAGEMENT
Product: Credit reporting or other personal consumer reports

I was just able to take a look at my credit report, and am stunned. I am trying to start a business, and I couldnt believe my eyes when I saw all of these mistakes in reporting! 

I don't know why these companies are putting this on my credit report.I have never been delinquent on my payments with any of these people. When I called them they said I needed to just dispute it with you. 

I need you folks to fix these accounts. In the meantime, I may be denied based on all of this. Ive already tried two places. Please don't leave it this way I need your help! The above accounts should be reported as positive standing I thank you for your time. Please investigate and take a look at these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

These entries are negatively impacting my creditworthiness despite my lack of association with them. Please ensure their swift removal and take preventive measures to avoid similar errors in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX does not follow The Truth In Lending Laws 15 usc 1601. I feel like my privacy as a consumer has been breached. On XX/XX/2020 I entered into a consumer credit transaction with XXXX and they transferred it to XXXX XXXX XXXX XXXX . They are wrongfully trying to benefit from my credit card that I used to initiate a consumer credit transaction with a finance charge involved. XXXX is in violation of the law, and violated the contract when they took cash in a consumer credit transaction with a finance charge involved 15 usc 1605. When I paid the finance charge they did not include my insurance and all the other fees they were suppose to. When I dispusted the debt and aske how was it valid and verified, they never told me who the name an address of the original creditor is pursuant 15 usc 1692g ( 5 ) ( b ). This company is civilly liable pursuant 15 usc 1640 ( 2 ) ( a ) ( i ) which is twice the finance charge, and they also are criminally liable for willfully knowing these things pursuant 15 usc 1611. I also asked them show me why I owe them a debt and why is it valid and verify it they lied about the original creditor and said I still owe a debt. I have ordered 3 of my credit reports from the major credit bureaus I want them to do right by me as a consumer by federal law, as well as the credit bureaus.
Product: Vehicle loan or lease

On XX/XX/XXXX a check from XXXXXX/XX/XXXX was sent to Yamaha Motor Finance for {$290.00} as of XX/XX/XXXX the check was still not received by Yamaha Motor Finance at this time XX/XX/XXXXsuggested that I put a stop payment on the check due to it possibly being lost by USPS. 
I did put a stop payment on the check and XX/XX/XXXXissued a letter that was sent to them on this same date explaining what had happened. 
Yamaha Motor Finance stated they never received the letter which I had email it to them on XX/XX/XXXX XX/XX/XXXXXXXX XXXX To : XXXX Sat, XX/XX/XXXX at XXXX XX/XX/XXXX I had also called them to let them know about this. 
I was told by the customer service that it would not be an issue due to that I was ahead on the account. 
I then sent a cashier 's check number XXXX in the amount of XXXX on XX/XX/XXXX to cover the canceled check. 
I called this morning XX/XX/XXXX to verify that they had received the cashier 's check because I noted that my account was not updated. They told me that they have not received the cashier 's check as of this date. 
I still also have not had any statements sent out since the last complaint filed. 
I am not sure what is going on with this company, service is really poor. 
Someone needs to investigate Yamaha Motor Finance.
Product: Credit reporting or other personal consumer reports

I am the victim of identity theft and XXXX, XXXX, and XXXX as well as secondary credit reports XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, Clarity Services, XXXX XXXX, XXXX  others are failing to remove the credit cards that I never opened and the inquiries that I never made even after I sent over my FTC documents and Police Reports. These credit cards and hard inqiruies need to be removed immediately! 

Credit cards to be deleted : All of XXXX  XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX credit cards that appear as closed need to be deleted immediately and also notify these companies so they can delete them on their end. 

Inquiries to be deleted : All of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX hard inquiries need to be deleted immediately and also notify these companies so they can delete them on their end.
Product: Vehicle loan or lease

My vehicle had got repossessed I lost my job, I just recently got a new job and am trying to get my car back and my account back in good standing, the company sent me a letter stating we had to pay XXXX $ to get the vehicle back, we called to make a payment on Monday XX/XX/year> the letter stated they are selling the car as of XX/XX/year>. We asked if we made a payment today ( XX/XX/year> ) can we get written communication stating our vehicle will be released before the XXXX, they refused to give us written letter stating this information. They are not releasing it to us until the day it is supposed to be sold. They are refusing to give me information regarding how to get in touch with them to verify the car is still there. Also, I recorded them and how they were speaking to me, telling me its not there problem, They are telling me they can only give us verbal confirmation, nothing written. How do we know are car is even still there and not sold?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.