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

I made a money transfer in western union on XX/XX/2022 to a family member of {$200.00} US Dollars out of the country but they couldnt get the money so i cancelled the transaction and never received the refund and they said that my money never got out of my account but i got proof that it was charged and my bank said to me that in FACT i was charged and CONFIRMED that i never received the refund and also the amount that they charged was of XXXX US dollars when the transfer that i tried making was of XXXX US Dollars Then i called western union again on XX/XX/2022 and they told me that the money was still in their system and told me to call again on XX/XX/2022 because they were reviewing the account and Now theyre saying that my bank is holding the money and that they cant do anything, so i called my bank again and theyre saying that theyre NOT holding my money but that WESTERN UNION still has my money on theyre account, i would really appreciate if this can be fixed, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report . Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX ( Finance ) inquired on XX/XX/XXXX ; XXXX XXXX  ( Finance ) inquired for something on XXXX XXXX, XXXX ; XXXXXXXX XXXX ( Finance ) inquired on XXXX XXXX, XXXX ; without permission XXXX XXXX  XXXX ( Finance ) inquired on XXXX XXXX, XXXX ; XXXX ( Finance ) inquired withiout permission on XXXX XXXX, XXXX ; XXXX XXXX ( Finance  ) inquired on XX/XX/XXXX ; XXXX XXXX ( Finance ) inquired on XX/XX/XXXX XXXX XXXX XXXX  ( Miscellaneous ) inquired on XXXX XXXX XXXX. 





The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. Did not consent to unauthorized inquiry.
Product: Debt collection

On XX/XX/2021 I received a letter from TD bank stating I owed them XXXX because my account was over drawn. I just was release from XXXX in XXXX and have only banked with XXXX XXXX. I filed a complaint with the fraud department associated with the bank. They then gave me a list of number to continue to call to keep my identity safe.
Product: Checking or savings account

Wells Fargo charged me a service fee of {$12.00} on an account with XXXX XXXX balance during this time. The could clearly see the usual deposits had not been made in some time. My frustration is they claim to be working with customers. I know they're lenient toward the small business owners and homeowners. I don't think it should be any different with the regular small customers who use their services. 

PS. I called them for third time on Saturday at XXXX and was rudely hung up on.
Product: Credit reporting or other personal consumer reports

I spoke with a representative at the collection agency on XX/XX/year> regarding this matter and asked them to verify this debt as well as send me verification of this debt. They informed me that they would and they would dispute it with the original company who reported the debt. I have not received anything from the company nor heard anything back from them
Product: Debt collection

Hi, I 've been getting harassing calls almost daily for months ... 

The most recent ones are from a company they call " Concord Resolution '' in the voice mails and it 's a recorded robo voice when they leave a voice mail. 

They are very rude and threaten to pursue lawsuits for a supposed payday loan which I 've never made, straight up extortion. 

I 've asked them to NOT call me anymore that my number is registered on the do not call list via XXXX and telling them via phone to add me to their donotcall list because of all of these ridiculous calls. 

They call at all hours of the day. Today they called at XXXX and again about an hour ago. 

I receive calls like this daily. 

They have various phone numbers each time and I am tired of being threatened by people who I do not owe and should n't have my phone number in the first place. 

These are a couple numbers used often. 

XXXX. XXXX. XXXX. XXXX so on. 

Number 1 is the one that 's been calling multiple times within the last few days.
Product: Payday loan, title loan, personal loan, or advance loan

Every few months I get an email from Net Credit ( sent to my old email XXXX ) claiming I applied for a loan and should log in to get my results. I have never applied for a loan with them and every time they tell me they have removed me from their system but they never do. Almost like clockwork I get another round of application results and get promised again my info will be blocked. 

Just from a CAN SPAM perspective they owe me well over {$50000.00}. 
The refuse to provide the names of the companies they shared my stolen information with and would not provide the IP address, device info used to steal my identity. 
For several years now I have a stalker named XXXX XXXX who is XXXX in the XXXX XXXX who personally and through her brothers XXXX and XXXX XXXX XXXX various tools to harass me online. XXXX has even made several threats to me and sent me messages saying he stalked me in person. All of these have been reported to the XXXX XXXX Police Department ( Report XXXX ) but since the XXXX thinks I am XXXX and the fact that XXXX XXXX XXXX an inappropriate relationship with a XXXX detective they refuse to investigate and in fact tried to blame me for the getting threated. 
I assumed it was XXXX XXXX personally or having her brother XXXX use the lead generation site that XXXX XXXX uses to obtain the illegal information. I have asked for the details where they are getting my info. 
They refused to provide this information. 
My only recourse so far is that when one of these companies that was given my information contacts me I ask for the IP address and other info and tell them that XXXX XXXX has given my info to her brother XXXX and has him harass me since he lives in XXXX XXXX. I also provide their contact info and places of employment in case these organizations wish to contact the XXXX and seek reimbursement for their time being wasted.
Product: Checking or savings account

I opened an account with Citibank on XX/XX/year> online I open a checking and savings. I met with a banker on XX/XX/year> to go over my account etc I deposit my XXXX check thats court ordered and I had a direct deposit hit me account on Friday XX/XX/year> I get a call from my XXXX  at XXXX on Friday XX/XX/year> she called and left me a msg I call customer service they transfer to me to the fraud prevention dept I am now being told my deposit are under review and so is my account all the review about this bank say they do this everyone this makes no sense to hold funds and then review deposit etc
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of credit fraud. I have requested under FDRC act to obtain proof that I gave authorization for credit inquiries. The customer rep did declined to help me. Ive 3 different written letters to all three bureaus re : 16 inquires on my reports and nothing have been done. Ive called. Nothing. Help
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I check my credit report in Experian for the first time in XX/XX/XXXX, and there was addresses, that not were mine so I dispute them. Also, hard enquiries on my credit and Autoloans affecting my credit nd employment that was not me. Appear to jobs in XXXX and I lived all my life in XXXX XXXX, we did a police report ( find attach ) Did the same in XXXX XXXX. 

Experian XXXX XXXX XXXX, closed dispute in process XXXX XXXX XXXX XXXX XXXX Opened Dispute in process XXXX XXXX XXXX XXXX, XXXX & XXXX XXXX Opened XX/XX/XXXX, status opened {$85.00}, already in dispute XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$26000.00} dispute in Review XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ( XXXX ) XXXX Employment Sunbelt Disputed XXXX
Product: Credit reporting or other personal consumer reports

My purse was stolen in XXXX in a nightclub, it included my driver 's license and a copy of my social security card. Most recently I began to monitor my credit report. I contacted the credit reporting agencies and notified them that someone has been attempting to access my credit profile and applying for accounts in my name. I noticed accounts in XX/XX/XXXX from creditors XXXX, XXXX, and XXXX. I have no knowledge of the accounts or affiliation. I requested verification from Experian, XXXX, and XXXX in XXXX .Furnishing these accounts to my profile due to identity theft is in violation of 15 USC 1681c-2. I have requested twice for these accounts to be removed. 

I also noticed credit inquiries that I have no knowledge of nor have I applied for any credit with these creditors, 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 Furnishing this information to my account without my written consent is in violation of 15 USC 1681B To ensure my information is not compromised I previously requested that addresses that are not mine and where I never resided be removed from my credit report. I see addresses are still reporting that I have no knowledge of.
Product: Credit reporting, credit repair services, or other personal consumer reports

Baclays bank of Delaware is the card provider in question. They posted a late payment on XXXX and XXXX of 2022. I contested the information cause I never got an bill and I havent used the card in years. They removed the late payments and corrected my credit report. I am buying a house and the lender needs a letter from them stating that the XXXX and XXXX late payments were posted in error and corrected. Also in the letter have there letter head and account number in question. They refused to do so. Ive called many times and all their employees tell me they can not provide me with that letter. All I need at this point is a letter stating that they repaired what they already did. They told me they couldnt provide me with the letter cause I dont have an account with them any more and if I opened an account with them again they will provide it for me. I dont want to be forced into getting a card with them. Also I am been out in a place that I would have to come up with {$87000.00} extra on down payment to able to buy the house since this letter is not made available to me for my new lender to be able to pull my credit and re score me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the FIFTH OR SIXTH time I have tried to fix this issue with Transunion so I have decided to get lawyers involved, there is a fraudulent account with XXXX XXXX XXXX that all the other credit agencys deleted except for Transunion XXXX. This Data furnisher has been in violation of the FCRA 2009 ( a ) which states a Data furnisher MUST delete an account that has been reported to authorities and has proper identification to prove it ( which I have provided numerous times ) WITHIN 4 BUISNESS DAYS, ITS BEEN 4 MONTHS. I have reported the data furnisher to the Attorney Generals office - XXXX XXXX due to Transunion negligence. They are in violation of the Fair credit report act 2009 ( a ), which is a FEDERAL LAW. FCRA 603 ( q ) ( 4 ) The term identity theft report has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. " Last time Transunion XXXX, responded TransUnion has declined to block the information for one or more of the following reasons which were provided to you in the letter : a ) TransUnion has reason to determine that you have requested the block in error ; b ) TransUnion has reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) TransUnion has reason to determine that you obtained possession of goods, services or money as a result of the transaction at issue. Let me repeat this, 1 ) I DID NOT REQUEST THE BLOCK IN ERROR. 2 ) Transunion IS FALSELY ACCUSING ME of misrepresentation of facts, to a known identity theft victim. 3 ) I DID NOT RECEIVE ANYTHING FROM THIS FAUDULENT ACCOUNT. I have referred this to the office of the Attorney General of California - XXXX XXXX, and the XXXX XXXX - XXXX XXXX XXXX for data furnisher negligence / litigation. I am completely upset and absolutely disappointed with the service Transunion has provided me, I will be writing a letter to my local congressman on this issue as well.
Product: Credit card or prepaid card

I opened a platinum credit card with Capital One exactly XXXX year ago in XX/XX/XXXX. I was never late on a single payment. The only issues I ever had was accidentally submitting payments from the wrong account which resulted in a returned payment. This happened a total of 5 times. Twice in XX/XX/XXXX, then once in XXXX and twice XX/XX/XXXX. The reason this happened is because Capital One automatically defaults to your first payment account, and there is no way to change this. You have to manually switch the payment every time. When I realized the error I quickly resolved it placing payments immediately from the correct account. After it happened again during XXXX week I quickly submitted a payment on XX/XX/XXXX for the full amount on my credit card. In fact I actually overpaid by {$62.00} because Capital One did not show the correct amount on the app. Payment was taken. The next day when I log in I see a notice saying the account is restricted. Surprised I contacted Capital One and was told the account was closed by the Fraud Department. Questioning this I asked to speak to a supervisor. She was extremely rude and cutthroat. Did not try to work with me in any way and adamantly stated Capital One has the unequivocal right to close any account at any time and no reason has to even be given. She continued saying Capital One made a business decision and there was nothing I could do. Her behavior was absolutely disgusting. You call that customer service Capital One? It felt more like a bouncer delighted to keep someone out of a club. She abused her power over that phone call. I want whoever reads this to listen to that call and explain how that is an acceptable way to treat a faithful customer : This made me extremely angry and caused me to have an outburst and hang up. I couldnt understand how Capital One could treat its customer and a veteran that served this country so badly. I havent committed any fraudulent actions with this account or any account ever. This only ever happened because Capital Ones mobile app does not allow you to change the default payment or delete old payment accounts. I tried to find a way to do this repeatedly but couldnt find it. Then I received a notice this morning stating Capital One closed the account and would be sending me requests for payment. Your system is a little slow guys. You owe me {$62.00} dollars and I want it back. I would even take you to small claims courts over it. Its not about the amount its about the principal. This ordeal has caused me a great deal of mental anguish.
Product: Credit reporting or other personal consumer reports

I am formally disputing the erroneous reappearance of an account from Mariner Finance on my credit report. This account was previously in collections, charged off in XX/XX/XXXX with an original balance of {$9800.00}, and subsequently closed with a charge-off amount of {$5000.00} paid. Following this, the account was deleted from my credit report for nearly a year before reappearing in XXXX, without any explanation or proper notification. 

This reappearance is a clear violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, which mandates that all reported information must be accurate, complete, and verifiable. Additionally, the failure to notify me about the re-reporting of this account violates FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which requires reinsertion procedures, including written notification within five days. I was never provided with such notification.

Moreover, upon contacting Mariner Finance to request validation of this debt, I was informed that management had changed, yet no proper validation was provided as required by the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g. Since I was not presented with any valid proof of ownership, transfer details, or accurate balance verification, this debt is being reported unlawfully.

Furthermore, under FCRA 15 U.S.C. 1681s-2, information furnishers are prohibited from reporting inaccurate, incomplete, or unverifiable data. The failure to follow proper validation and reporting procedures renders this account invalid for reporting to any credit bureau.
Product: Checking or savings account

I had XXXX in XXXX of several accounts I had with PNC bank. On XX/XX/23 I got a letter stating that they were closing this account do to inactivity, I called immediately to see if I could fix that by using the account or transferring the money to my saving or checking etc. This was an account I had to save money that I did not want touched I did not know I needed to do something with it. When calling I was told the money would be sent by cashiers check, i was unhappy with this because it's not safe with our current mail system they said it was to late to transfer. I didn't understand how they could do this and I was told they were choosing not to do business with me any longer. I said so are closing the other XXXX account in my household. She said no just this one. On XX/XX/XXXX I called back because I still have not received the check. I was then told by PNCthat they did not send the money to me and they could give me no further information, that at this time they were choosing not to do business with me I have other accounts with my day to day stuff in it. I work my XXXX off to have this money just vanish. No-one is helping me at the bank and won't tell me where the money was sent I owe no-one money All my accounts are in good standing I own my car I have no collection agency calling I don't " know where my money is.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX XXXX  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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and Social Security Number : XXXX, and Date of Birth : XX/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 Equifax 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 credit cards XXXX XXXX # XXXX Opened on XX/XX/XXXX, XXXX XXXX XXXX XXXX # XXXX Opened on XX/XX/XXXX, XXXX XXXX XXXX  # XXXX Opened on XX/XX/XXXX, XXXX XXXX XXXX  # XXXX Opened on XX/XX/XXXX, XXXX XXXX # XXXX Opened on XX/XX/XXXX, and unauthorized Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX  XXXX XXXX  XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.