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

In XXXX XXXX I received an email from XXXX ( XXXX ) indicating that I needed to move from an individual account to a brokerage account due to VG changing platforms and there was a fee to stay on the old one. 

I called and moved my account. 

I was told that I had to de-activate both my check writing and direct deposit ( DD ) but if I called back in a couple days after the transfer was finished processing they would re-activate both the DD and the check writing over the phone. 

I called back a few days later. I was told that instead of having XXXX re-activate my DD that I had to set it up again with my employer. I was also told how to go online to update the check writing and theyd update it on their end too. 

I was given the information for my direct deposit to provide to my employer ( XXXX ). ( It turns out it was the wrong information ). 

I re-set up my DD with my employer using the information provided by XXXX  and my next paycheck that was sent from XXXX had to be manually routed as a courtesy due to the incorrect DD information on it. Note : My paycheck gets sent from XXXX to XXXX XXXX ( XXXX ) to JP Morgan ( JPM ) to XXXX. 

I called XXXX again. I was then provided with the correct DD information and I worked with my employer to fix my DD information on their end. 

In the meantime, another paycheck ( my XX/XX/XXXX pay ) was sent with the wrong DD information. This one was then clawed back and resent via wire on XX/XX/XXXX. However, it still had the wrong DD information on it and is currently nowhere to be found. XXXX has the trace number for it being sent to JPM. 

XXXX has asked XXXX to claw it back from JPM again. 
JPM has not responded. 
I've spoken with numerous people at XXXX and they've confirmed with the Money Movement Team that they never received the money from JPM. 

Since I don't actually have an account with JPM they won't provide me with any information and said we should just ask XXXX to ask XXXX to send a service message to JPM to have the money returned. My company has done this and XXXX has not received any response from JPM.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX ( Transunion ), XXXX ( XXXX ) and XXXX ( XXXX ) I sent each credit bureau a certified 609 letter to verify the account that is allegedly owed by me to XXXX XXXX XXXX credit card as they are reporting it on my credit report. They each deemed the account verified. On XXXX I sent a validation letter to XXXX XXXX XXXX credit card with my name, date of birth, social security number and the account number that is on my credit report. On XXXX I sent each credit bureau another certified 609 letter to verify the account allegedly owed me. On XXXX I received a letter from target stating that the were in receipt of my request but can not locate an account referenced in my letter.I called XXXX and asked them how and who did they verify the account allegedly owed by me with. The agent stated the he could n't tell me that. I would like for you to help me get this removed from my credit report thanks.
Product: Credit reporting or other personal consumer reports

Upon reviewing the copy of my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. The following personal information is incorrect Former : XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX 3. The following personal information is incorrect 4. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX 5. The following personal information is incorrect Employers : XXXX 6. The following personal information is incorrect Employers : XXXX XXXX 7. The inquiry was not authorized XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 10. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX 11. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 12. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 13. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX OPEN ; XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX OPEN ; XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX OPEN ; XX/XX/XXXX XXXX XXXX Account Number : XXXX OPEN ; XX/XX/XXXX XXXX XXXX Account Number XXXX OPEN XXXX XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX OPEN ; XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX : XXXX XXXX ; XXXX XXXX XXXX XXXX Account Number : XXXX OPEN ; XX/XX/XXXX XXXX XXXX Account Number : XXXX OPEN XXXX, XXXXXXXX XXXX XXXX Account Number:XXXX OPEN : XX/XX/XXXX XXXX XXXX XXXX  Account Number XXXX OPEN XX/XX/XXXX
Product: Checking or savings account

I've been had Wellfargo for years they been taking my money and charging me free ... I just think it's wrong the way this bank do there value customer and how much they get away with stuff so this time all my money got Missing and I put in a deputie but they denied the reason was they didn't see fraud but they reached out to me about the activity they think was fruad they told me I was at these places some places didn't have no return address but this the part I failed XXXX is when I had to tell them my personal business Im on house arrest they had me to send a picture of my legs to show proof and they still denied me I shouldn't never had to do that at all that's alot ... I shouldn't have to had to put my personal business out ....
Product: Debt collection

someone got ahold of my information and used to purchase goods. i contacted store along with XXXX to figure it out but they never had an answer.
Product: Debt collection

I received in the mail today XX/XX/XXXX, from XXXX XXXX XXXX ( XXXX  ), regarding a Wage Garnishment From Wakefield & Associates, INC of the amount of {$8500.00}, ( XXXX XXXX XXXX, XXXX College from XXXX, I did not attend, and I have Colorado XXXX for the Ambulance Rides to the Hospital due to Automobile accidents XXXX, XXXX, other medical regarding the accident that XXXX should have been billed for, and XXXX XXXX XXXXXXXX XXXX, did not go there, establishment is out of business ) The Unit manager, or associate give me login information to where you can dispute online to where you can dispute those account, I couldn't login to do that, without making a payment, I do owe this debt. I saw copies of court documents regarding, I don't owe this, Wakefield & Associates are planning on garnishing wages, from my employer, that is fairly new, I haven't even started yet, I can't afford any of this debt I don't owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX EQUIFAX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX EQUIFAX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

I received notification that NetSpend had created an unsolicited XXXX XXXX XXXX from XXXX, XXXX. XXXX  in my name and sent it to me through the USPS. The account creation was complete with a routing number and bank account number. They mailed the card to me indicating it was ready to activate. This was unbelievably insecure and irresponsible, particularly knowing how the mail has been compromised.

I have attached a copy of the literature they sent with the card. This copy is redacted. I also have a copy of all the literature including the card they sent in case evidence is required that includes the actual account number. I requested they cancel the account and card and that they never contact me or anyone at my address again. I also requested they remove ALL of my information from their systems except for this notice and my address.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I filed a dispute with equifax for reporting incurrate information. With confirmation # XXXX dated XXXX XXXX from equifax it states that I should contact : XXXX XXXX XXXX XXXX XXXX. 


I have previously contacted them and they provided me with a letter. I did and they provided me with a letter that says they do not provide information to credit agencies. So how was this information that was not verified? This is a complete violation of my consumer rights. As states of 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 may be inaccurate.

I have attached letter of results from Equifax and from clerk us bankruptcy court
Product: Debt collection

This rent is owed due to losing income due to COVID. I have tried to get assistance but have been unable to obtain assistance. However, due to the cares act this rent should not be in collections.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In or around XX/XX/2021, Capital One placed a hard inquiry on my credit report. I did not authorize such an inquiry, nor did I apply for any account with Capital One. Further, I have no existing accounts with Capital One. I called Capital One 's fraud department on XX/XX/2021, and they could not locate any record of me applying for an account or having an account either. Yet, they could not explain why they conducted a hard credit pull. 

I believe I may have been a victim of ID theft as I hard a hard credit pull from another financial institution made on the same day, but their fraud department proactively called me to confirm whether I had applied for a credit card with them ( which I had not ). That company then immediately cancelled the application, and I also put a fraud alert on my credit report with all 3 major credit bureaus. 

I am frustrated that Capital One took no action to note that I did not authorize their credit pull in order to avoid any fraudulent accounts being opened in my name, nor would they further investigate the matter to understand why they made the hard credit pull without my authorization, potentially in violation of the FCRA. I am also afraid that Capital One will allow a fraudulent account to be opened in my name given their inaction thus far.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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: Credit reporting or other personal consumer reports

REQUEST FOR REMOVAL AS AUTHORIZED USER OF CREDIT CARD A/C TITLE XXXX ACCOUNT NO. XXXX I hope this letter finds you well. I am writing to formally request the removal of my status as an authorized user of the Credit Card of Account No. XXXX titled as XXXXXXXX XXXX 

After careful consideration and review of my financial circumstances, I have decided that it is in my best interest to discontinue my status as an authorized user on the aforementioned Credit Card. I greatly appreciate the opportunity that XXXX XXXX  has provided me, and I am grateful for the positive experiences I have had as an authorized user. 

I understand that there may be necessary administrative processes to complete to remove me as an authorized user. I kindly request your assistance in initiating these procedures to ensure a smooth transition. 

I am committed to ensuring that this transition is carried out in a seamless manner and would be more than willing to cooperate with any requirements from your end. I recognize that there may be a timeframe required for this request to be processed and implemented, and I appreciate your understanding in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, FL XXXX I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/XXXX was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX  XXXX  and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, FL XXXX
Product: Checking or savings account

As of XXXX, I informed the merchant of the address correction as I had to abruptly move for personal reasons. Merchant responded stating " once shipped no address change fulfilled. '' Though I gave the ACCURATE address, merchant refused to contact the shipper for cancellation and reshipment. Additionally I asked for a refund. Therefore, I could reorder the missed shipped items. I attempted to contact the shipper XXXX along with going on their website but it was no answer via phone and website tracking was null and void. Ultimately, I never received the items. I am requesting a refund In this way, I will re-order the items See attached documenting contact and resolution XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive tried disputing items on my credit report that were false and the company did not investigate the claims properly and throughly. It is impacting my credit score as they are inaccurate and they must be deleted. These items include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Transworld systems reported to the credit bureau that I owed XXXX {$130.00}. I disputed this with the credit bureau, however, a year has past and this error is still listed on my credit report. The most recent listings indicated that I opened the account in XXXX. I have not had a XXXX account since XXXX. I have no knowledge of owning XXXX any money.
Product: Bank account or service

Due to medical state and injury fraud was committed in me and my mothers bank acct leaving me broke there is evidence of multiple multidominal unauthorized transaction taken out of my acct without freeze placed or alerts when I tried to address the issue shortly after bankers failed to review my acct info accurately which left me unable to report t in a timely manner and many attempts to report transactions esulted in the bank manager refusing me service and threatening o call police on me an innocent customer clearly taken advatage of because of my current medical state at the time
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this to try and resolve an issue that is still appearing on my credit reports. I noticed a collection last year on my credit reports and contacted XXXX XXXX XXXX to reach a resolution. Idecided to go ahead and pay the collection with the stipulation that XXXX XXXX XXXX would remove the collection FULLY from my credit reports. I was told that it would take 45-60 days for the collection to be FULLY removed from my credit reports. Flash forward to today and the collection is still reporting. 
I recentlydisputed it through the credit bureau dispute process and XXXX XXXX deleted it however XXXX and Equifax have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently requested all 3 of my credit reports from XXXX, however, due to internet failure, phone drop, or whatever it was I couldn't get my XXXX report.Upon going over and comparing reports I found that alot of information is being reported illegally, inaccurate, and non-compliant with false information about me.The accounts in reference are as follows : Balance XXXX, XXXX reports date opened XX/XX/XXXX, yet comes at the end and says it was opened XX/XX/XXXX, then it says last payment XX/XX/XXXX when on pay chart last payment was infact XXXX lacks critical information and reporting according to CDIA Metro 2 compliance regulations. Next account : Is valued {$600.00} which violates majorly when my information was obtained without consent and no lawful proof of debt, same with account owing {$290.00}, its listed as being for another company, then it says the account was opened XX/XX/XXXX, delinquency first reported XX/XX/XXXX, no lawful debt or original papers.Everytime I dispute something thru XXXX it comes back verified without any type of explanation as to how, who did you talk to, did you validate original paperwork..nothing, just it's verified.This misfortune has cost me loans in time of need, housing, credit cards with good APR along with alot of other stuff.Under fair credit reporting at, section 611 ( 5 ) ( A ) I ask that all information that is inaccurate, incomplete, or which can not be verified be removed immediately..Thank you..
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I sent a wire transfer to a XXXX account.Then after research I found the transfer was a scam commiting fraud.I then went to my bank ( Chase ) on XXXX XXXX and recalled the transfer.To this date XXXX XXXX I have received no notification of my funds being refunded.Have worked with my bank ( Chase ) since XXXX XXXX to no avail, but XXXX bank doesn't even want to talk either to me or my bank ( Chase ) .There is quite a considerable amount ( {$42000.00} ) taken from my lifetime savings account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX xxxxxxxxxxx XXXX XXXX XXXX XXXX xxxxxxxxxxxx XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX ID XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID XXXX XXXX  XXXX 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 an account without my written instructions
Product: Debt collection

Credence Resource Management whoever this is totally blowing up my cell phone 7 times to be exact yesterday on XX/XX/XXXX for unknown reasons nothing ever received from them. From multiple phone numbers one being XXXX and not leaving a message etc.
Product: Checking or savings account

Had to open a new checking account, due to suspected fraud. Received a new debit card. Did not know new pin. Went to banking center as instructed by customer service. Met branch manager of the XXXX NC banking center. Showed him two picture id 's. One NC drivers license the other my military ID. He said he did no know me and would not reset my pin. I got angry and stated that I wanted to close my accounts. He would not let me withdraw my money. And actually stood between me and the teller s. I have been a Bank of America customer for XXXX years, I was treated rudly. and very disrespectful. This is the BofA financial center in XXXX nc. Please feel free to contact me. Thank you. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has placed UNAUTHORIZED credit inquiries on my credit report!! 
This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS and MY HIPPA RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.

2. What services I am being charged for.

3. What the cost of each service I am being charged for.

Furthermore, I did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have  documented my case without error. I encourage a response from you expeditiously. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX