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

On XX/XX/XXXX I initiated a wire transfer from my Capital One 360 checking account for the value of {$2700.00} to an intermediary bank for deposit into my XXXX   currency investment account. I have completed transfers like this at least five times in the past. 

My wire transfer was rejected because Capital One said only transfers related to closing on a home may be made to an intermediary or title bank. They referred me to their terms of service as proof of this rule, but it is not listed anywhere : https : //www.capitalone.comXXXX  I am currently in the process of moving my business from Capital One to XXXX XXXX instead , but this will take a fair amount of time. Regardless, misleading consumers is not appropriate and should be looked into.
Product: Credit reporting, credit repair services, or other personal consumer reports

A personal loan, and credit card, and a XXXXXXXX XXXX account were fraudulently opened on my behalf with in XXXX XXXX, Co. I have never resided or was stationed in XXXX  XXXX, CO at the addresses list in the accounts. I have been trying to get these accounts closed since XX/XX/XXXX. When I was made aware that my personal identifiable information was included in a data breach with the US Office of Personnel Management. 

The following accounts were open : Navy Federal Credit Union Personal Loan : - $ XXXX- currently charged off. 
Credit Card : - $ XXXX- currently charged off. 

XXXX XXXX ( XXXX XXXX XXXX ) : - {$120.00} - currently collections I have requested information regarding these accounts from XXXX, and to no avail. 

Navy Federal has sent me a fraud account letter which I have completed and returned back to Navy Federal XX/XX/XXXX. 

I have disputed these accounts 3 times with all three credit Bureaus, they have temporarily removed the accounts, and 30-60 day they would return.
Product: Credit reporting or other personal consumer reports

Transuion is reporting a account on my credit report as being charged off but has an unpaid balance of {$400.00}. A charge off should not have a unpaid balance,
Product: Credit reporting or other personal consumer reports

I don't maintain these deals and they are of no congruity to my monetary endeavors. I'm referencing that they be remove from my credit report right away.
Product: Debt collection

Debt recovery solutions was provided with my bankruptcy attorneys name & contact information on XX/XX/2021 and advised to not contact me any further. On this date Debt Recovery solutions had one debt on my credit report for {$430.00} which was subsequently removed. However, despite the automatic stay granted me by filing bankruptcy, Debt Recovery Solutions VIOLATED FEDERAL BANKRUPTCY COURT LAWS by placing this debt AND an additional debt totally approx {$600.00} to XXXX as well as XXXX  on XX/XX/2021, nearly a full month after having FULL KNOWLEDGE that I had filed for bankruptcy. I was also contacted regarding this debt on my personal cell phone to collect this debt, again, VIOLATING FEDERAL BANKRUPTCY LAWS! This company is known for their illegal attempts to collect monies not owed to them, until they are reprimanded they will continue to act in this manner. If federal laws can not protect citizens from people like this, where are we to seek protection? How many complaints does this company have to have registered against them for their illegal/unethical practices before the CFPB does something about it?
Product: Credit reporting or other personal consumer reports

I submitted formal dispute letters to both XXXX and Equifax on XX/XX/year>, regarding multiple inaccuracies on my credit report. These disputes were not my first attempts to address these issues. I have previously disputed inaccurate information with both credit bureaus, but they failed to respond appropriately or investigate the accounts and inquiries in compliance with Fair Credit Reporting Act ( FCRA ) requirements and Metro 2 ( M2 ) compliance standards. 

In my most recent dispute, I explicitly requested : 1. Verification of the accuracy and validity of the accounts, including supporting documentation from the original creditors.

2. Evidence of proper investigation into each disputed item, as mandated by the FCRA.

3. Removal of unverifiable, inaccurate, or incomplete accounts and inquiries from my credit report.

4. Confirmation that any outdated or incorrect personal information, such as previous addresses or names, was deleted. 



Instead of conducting thorough investigations and providing the requested documentation, XXXX and Equifax responded with generic form letters that did not resolve the inaccuracies or address my concerns. The disputed items include accounts and inquiries I do not recognize or that contain errors such as incorrect balances, dates, and statuses.

The lack of proper investigation and resolution has negatively impacted my credit score, causing harm to my financial opportunities. Moreover, their failure to adhere to Metro 2 compliance guidelines and FCRA obligations demonstrates systemic shortcomings in their dispute resolution processes. 

As of today, the disputed information remains on my credit report, and I have not received any detailed documentation or an updated report reflecting the corrections I requested. This negligence is unacceptable, and I am seeking the CFPBs assistance to ensure that XXXX and Equifax fulfill their legal obligations to investigate and correct inaccuracies promptly.
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 XXXX5 USC 1681. 

Account number : # XXXX, Account number : # XXXX, Account number : # XXXX, Account number : # XXXX, Account number # 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 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.
Product: Checking or savings account

I was turned down for a loan in XXXX by Wells Fargo and in XXXX I had money in my bank account and there was transactions denied and it took me around and around until I changed banks. So it was a hard time for me so I think something should be done for my time and mental statement
Product: Debt collection

This active debt is enrolled with XXXX XXXX XXXX  and I have been in the program for over a year and paid over {$3000.00} to this debt management company as they have this enrolled and this third-party company has a representative name XXXX now harassing me and making repeated phone calls For this debt that is already being managed and represented by XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

{$4100.00} Original creditor : OPENED in XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Reported in BK XXXX XX/XX/XXXX Sold twiced opened in XXXX after being BK XXXX was filed and dispmissed.. Continues to bring my credit scores down.. Disputed in XXXX and No respond Overview You've paid off 0 % of your collection amount. 
Balance {$4100.00} Highest Balance {$4100.00} Opened XX/XX/XXXX ( 2 yrs, 9 mos ) Account status Open Type -- Responsibility Individual Remarks Dismissed Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion used Capital One monthly statement of my SECURED credit card ( secured with my OWN MONEY ) showing a due balance of {$100.00} on a credit line of {$550.00} to drop my credit score by 151 points from XXXX to XXXX!!! OUTRAGEOUS!!! 

I do not understand why and how Transunion is using this information and how can they decide that {$100.00} out of {$550.00} is a MAJOR PROBLEM!!! 

I called ns poke for over 30 minutes to an agent, nothing happen and I am really upset.
Product: Credit card or prepaid card

XXXX  XXXX  gave me prepaid card it stopped working after 2 days.it is literally impossible to each via phone or online the prepaid company.viaphone puts you n hold an hour than hangs up on you. online system keeps tellin me to call
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. I notice an Account under my consumer report which I do not recognize. This account was opened fraudulently. XXXX XXXX XXXX not mine please delete and investigate immediately. It 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 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 of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.SC 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 resonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Citi has refused to remove a 'credit watch ' from my credit reports, refuses to close my account, and refuses to resolve issues with declined charges.

I have contacted Citi by phone, email, and chat dozens of times since XX/XX/2020 when they cancelled my card and re-issued a new one. Since then they have routinely declined random charges, claimed that there were mysterious overseas charges that never showed up on my statement, and cancelled and re-issued my card two more times. 

Citi reported my account as 'questionable ' to XXXX and others, causing my credit rating to dip 10 points. I don't even carry a balance on my card. 

I have spoken at length with both Citi and Costco ( card sponsor ) with no results. The Citi executive response team has no authority over their fraud department. The Fraud department routinely fabricates information on calls ( fake case # 's, operator # 's, etc. ) and either reports false or incomplete case information for why the card is disabled or frozen. 

This has resulted in declined charges for family events, gifts, meals, and routine groceries. There is no pattern or reason for the declines, and no explanations from Citi or Costco.

I have requested that the card be cancelled 8 times and Citi has refused, saying that I have to call them and provide a 'good reason ' before they will close my account.
Product: Debt collection

I C systems Collection XXXX XXXX XXXX XXXX XXXX  was paid before closing account with them. 
Account closed more than XXXX  years ago. 
XXXX XXXX XXXX was holding refundable deposit of {$300.00} required to open account. 
XXXX was kept by XXXX XXXX XXXX to fully cover last bill. 
Last bill amount due was {$200.00}. 
Remaining {$99.00} from {$300.00} deposit was to be returned to me by check. 
Requested last bill showing deposit used for payment covering last bill. 
But last bill was not sent stating this because they said it wasnt possible to specify on bill that deposit was used to cover last bill. 
Account was assured paid covered by initial deposit and closed. 
Never received remaining {$99.00}. 
Called many times but was never given an answer only that my account was closed and bills were not sent out to accounts that have been closed.
Product: Credit card

I opened a tjmax credit card at their store after being promised a discount ( which I never got ) and I always paid off the charges I put on the card every month, and on time. I did however return some items I had purchased and was supposed to receive a credit to my account on more than one occasion. I never received the credit but was charged unknown fees for using the card. These fees then charged created late fees for non payment but the card was never actually used again or had anything owed at all. 
I have disputed this before and they changed it on my XXXX  credit report as never late under status. However, they are reporting falsely that I owe {$270.00} to XXXX  in the same report. I actually dont owe them anything at all and I'm owed back money for the returned purchases. I have disputed this {$270.00} they say that I owe several times and they have never removed it or given any explanation as to why I would owe this money, even though they admit I have never been late yet have reported the account as late for 6 months and it was paid off in XXXX of 2023 and never used again. Nothing is owed to them and I want my money back for my returned items that I have already paid for.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I ordered tires for my car and I never received them. I filed a dispute on PayPal ( Case ID : XXXX ) and they denied my case because seller provided tracking number. The tracking number is XXXX. I checked with XXXX and they told me the tracking number wasn't addressed to me. Seller provided other person 's tracking number to manipulate the PayPal dispute. This seller is fraud and this needs to be addressed with law enforcement. XXXX tracking website shows item is 7 pounds. Tires should at least weigh 20 pounds. I can not believe PayPal is helping fraudster make money off of innocent people like this. I want my money back.
Product: Credit reporting or other personal consumer reports

received credit report on XX/XX/2023, they have my right name and address, but i have no knowledge of XXXX incorrect phone numbers, names, addresses and date of birth
Product: Consumer Loan

GM Financial 's invoice contains misleading and untrue information regarding 24/7 access to their online services. The statement reads : " Managing your GM Financial lease account just got easier ] You now have 24/7 account and payment access. Visit GMFINANCIAL.com and register for myaccount.com ''. 
Upon trying to login on a Friday night I was redirected to a site that showed the " hours '' for their online service and when it was available. This is NOT 24/7 access as claimed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I gave out my social security number to Lexington law firm for credit building and being able to purchase a home or a vehicle
Product: Vehicle loan or lease

I had XXXX leases with GM FInancial. A XXXX XXXX XXXX and a XXXX XXXX XXXX. I returned the vehicles at the end of the lease term. I received a repair estimate for the XXXX and disputed the amount asking for additional information which the company refused to provide. The company unilaterally refused to acknowledge my dispute or provide the information requested, has reported the disputed debt to the credit agencies which has lowered my credit rating by almost XXXX points. I paid the lease return fee immediately, but am still disputing the damage estimate. The XXXX was returned to the dealer in early XX/XX/XXXX. 

The XXXX XXXX was returned to the dealership at the end of lease term, on or about XX/XX/XXXX. I never received an end of lease bill or damage estimate from GM Financial, The car was returned in good condition with only XXXX miles on it. Even though I had never received a bill or end of lease statement, GM Financial reported my account delinquent. I contacted GM Financial in XXXX when I finally found out about the delinquent mark on my credit report, disputed the damage amount but paid the end of lease return charge of {$490.00}. I still have not received anything from GM Financial what the damage charges were for, nor have they provided me of my request for both the XXXX and XXXX for a paid receipt showing the repairs had been made, or the information regarding what the car was sold for. If the company did not make the repairs or were made for less money than I was charged, I was overbilled for the purported damages. 

How can a company send me a bill and not have to prove that the repairs were made so I know that they are not billing me more than the repair cost, and that the repairs are made. How can a company report my account to a collection agency and ruin my credit unilaterally when I have disputed the charge?
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent by certified mail on XXXX a dispute request to XXXX regarding some information that is being erroneously reported on my Bureau. I have requested several times that i be supplied with specific Method of Verification information as it relates to public records in my file. On XXXX i received an email stating that my disputes were pending outcome. On XXXX, i received an email from XXXX  saying there review was complete and that the information on the report was verified with the court and updated. I supplied XXXX with a letter from the Federal Bankruptcy Court for this district stating " The Clerk 's Office does not provide information to credit reporting agencies. '' With their investigation, they did not supply me with specific information as i requested. Name of person spoken with, telephone number of said person, address, date of conversation. Nothing at all. I called Experian on XXXX to inquire about the investigation and spoke to a gentleman name XXXX from XXXX XXXX. He informed me that they could not send me the specific information regarding the method of verification and that a third party vendor that they use to gather the information does it in an automated fashion. That does not conform to the FCRA guidelines. He further stated i could not get any information as it pertains to that. I was told that i would get a call back from a supervisor so that he could explain to me why i was not going to get the information that i was requesting. Report number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo refuses to remove incorrect information from an XXXX report. We are attempting to get a home equity loan and the XXXX report shows a mortgage under my name with my social security number This mortgage was closed in 2015. Wells Fargo says its our problem to solve because they cant find the account in their records. Wells Fargo did not remove the mortgage from the XXXX  report This is holding up a home equity loan we are processing with our credit union
Product: Mortgage

I am having a problem with my equity line my loan was taken over from Ocwen to PHH Mortgage company.and noone in the company from customer service knows how to deal with my loan it being in a chapterXXXX bankruptcy.I am my own attorney " per si '' and just trying to get a payment to this company is almost impossible I was just was transferred 4 times on the phone a hour on hold all for a supervisor.once the supervisor got on the lione she didnt know what to do either and hung up on me with no return phone call. this company is unbelievable the y are very unproffesional and I question weather or not my payments are making it to the right person .or if its even getting documented .I have been stuck paying a XXXX dollar equity line for like 10 years and have probably paid it off 3 times yet I make payments every month and it stays at XXXX ; XXXX dollars and never goes down .try speaking to someone about it and they shuffle me to someone that hangs up on me very frustrated
Product: Credit reporting or other personal consumer reports

-- - Incident Description On XX/XX/XXXX, I encountered an issue concerning my credit account with Equifax Information Services LLC regarding the protection and sharing of my nonpublic personal information. The company 's actions appear to violate the customer privacy protections stipulated under 15 U.S. Code 6802. 

Contact Information : Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Az XXXX XXXX Details of the Event - Date of Incident : XX/XX/XXXX - Involved Parties : Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX  XXXX- Description of Actions Taken by You : - On XX/XX/XXXX, I contacted customer service, sent an email, and filed a dispute. 
- I requested the company address the following : - Notice Requirement : The company failed to provide a clear, conspicuous notice explaining their policies on collecting and sharing consumer personal information. 
- Opt-Out Right : I was not informed about my right to opt-out of having my personal information shared with non-affiliated third parties. 

Consequences As a result of the company 's actions, I experienced a significant financial loss, impacting my overall financial stability. Additionally, my credit score was adversely affected due to unauthorized transactions, leading to increased stress and concern over my financial security. This situation caused great frustration and anxiety, as I had to spend considerable time and resources addressing the unauthorized activity and restoring my credit standing. 

Conclusion and Request I urge you to address this matter promptly. To resolve the issue, I would like the company to take the following actions : 1. Correct Information : Immediately correct any inaccuracies in my personal and financial records that may have resulted from their oversight.

2. Provide Compensation : Offer fair compensation for the financial loss I incurred, as well as any additional expenses related to restoring my credit score and dealing with the fallout from the breach.

3. Ensure Compliance : Implement robust measures to ensure full compliance with 15 U.S. Code 6802 and other relevant privacy laws. This includes updating policies and practices to prevent future breaches and adequately protecting consumer information. 

Please treat this matter with the urgency it deserves to restore trust and ensure the privacy and security of all consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX XXXXXXXX XXXXXXXX/XXXX/TRANSUNION/CFPB ; It's impossible that this account can ever be marked as investigated as accurate because it continues to report the same incorrect and multiple inaccuracies. See the letters i sent before attached. It's reporting incomplete, inaccurate, misleading, and multiple inaccuracies on my credit report and it's causing this account to illegally re-aged on my credit report. I also read several previous file lawsuit cases for this auto lender here ; for example where they were in infriction with the consumer laws and mistreating clients during the process. ( Case Anderson v. Santander Consumer USA et al FILED : JANUARY 3, 2017 2:17-CV-00012 ; Barber v. Santander Consumer USA , Inc . FILED : SEPTEMBER 20, 2017 2:17-CV-01227-CB ; Blakely et al v. Santander Consumer USA , Inc . FILED : JUNE 6, 2018 2:18CV1647 ; Wilson et al. v. Santander Consumer USA , Inc. FILED : JANUARY 13, 2020 4:20-CV-00152-KGB ; ). Therefore, there are so many errors and violations.