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

I have been using Transferwise, Inc. for 4 months without an issue, but all of the sudden they, wthout reason, fraudulently deducted money from my account and will not refund the money. This is the case for 2 and possibly 3 trasactions. The items marked in red on the first page of the package that I included with this complaint are the transactions in question. 

Transferwise will not give me a reason for why they deactivated my account, nor will they give me contact information so that I can deal with someone with Transferwise, who can handle this, in order to resove the issue. The emails from Transferwise Support also state that they can't even contact anyone about this to get info or to try to resolve it. 

Business behaving in this manner should not be allowed to operate and should be held fully accountable for their actions and damages. 

Sincerely, Victimized Business Owner
Product: Credit reporting or other personal consumer reports

According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report Im requesting a 1099c ( cancellation of debt ) from the following charged off account listed below.upgrade XXXX After checking my most current report the updated information stated the account was purchased by XXXX this account can not be reported as a charge off on my credit report if the account was sold to another lender.please send the 1099c form.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX 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. This also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681. ( 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: Money transfer, virtual currency, or money service

For the past two weeks, I have been trying to contact CashApp because they have froze my account for my protection. I emailed them and I get a automated response stating they will handle my case. Later in the week I tried to cash out my money and now my funds are frozen. I contacted them on XXXX  and theyll on give me automated messages and tell me to wait 48 hours. Its been two weeks and I need access to my money now.
Product: Mortgage

My wife and I had a mortgage modification agreement with our mortgage servicer, XXXX, that stated that if we made XXXX trial payments at the agreed amount our modification would become permanent. After making the XXXX payments XXXX informed us that the modification agreement would not be honored because they claimed there was a judgement against our home. We made several visits to the county court house and was told that they could not find any judgements against our home. When we contacted XXXX to inform them that the county court house found no judgements on our home they told us that our loan was being transferred to a new servicer, Residential Credit Solutions, we then contacted RCS to ask if they would honor the modification agreement we had with XXXX and was told we would have to apply again for a loan modification. RCS made it clear to us that they would work with us and not foreclose on our home. After submitting the new modification package to RCS we were told it take about three days for them to reach a decision. About a week and a half had passed by with no word from RCS, so we called them and was told we were missing some documents, a couple days later we sent them the documents and several days after sending the documents we were served with foreclosure papers. The following day we received a letter from RCS stating that our loan was being transferred again to a new servicer, XXXX XXXX.
Product: Debt collection

I recently reviewed a copy of my credit report and notice I had a fraudulent account on my report. Please remove this account from my report, they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I want to inform the 3 Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Today XX/XX/XXXX I was contacted by Prestige Financial regarding my car loan via text message and was advised that my car loan and was advised that I have been past due since XX/XX/XXXX which is incorrect. My mom ( cosigner ) contacted them by phone and advised them that I recently started a new job and will be making XXXX 's payment soon ( currently 13 days past due ). The collections rep XXXX said to my mom " why are you teaching your son to pay his bills late '' She was extremely rude screaming over my mom and yelling about me being 1 payment past due. My mom then advised her not to text either of our phone numbers or she will take legal action, XXXX stated she will continue to text until he is current. My mom then proceeded to ask to speak to someone higher and she gave the line to a person by the name of XXXX who claim to have been the Assistant VP of collections. She explained to XXXX that she did not appreciate the way XXXX spoke to her and that she wanted to make a formal complaint. XXXX only proceeded to request a payment and blame my mom for XXXX 's behavior. He continued to be rude and offered my mom no solution only to tell my mom she was yelling at him. My mom then asked to for his bosses information where she was given a name XXXX who is supposed to be the VP of collections. XXXX refused to give any employee numbers or last names. My mom advised that she would be making a formal complaint as one should never be made to feel as low as they made her feel after calling them to try and resolve the issue. No one stated the Mini Miranda at all.
Product: Credit reporting or other personal consumer reports

Remove hard inquiries, these companies didnt receive permission to run my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent disputes XX/XX/2022 to XXXX, Experian, & XXXX to remove information under Public Records regarding bankruptcy. XXXX & Experian have stated two time ( XXXX & XX/XX/2022 ) the information has been verified. XXXX stated the information as verified ( XX/XX/2022 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX - Date opened XX/XX/XXXX XXXX XXXX XXXX - Date opened XX/XX/XXXX XXXX XXXX XXXXXXXX-Balance - Date opened XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit Report has that I owe {$22000.00} when I am only XXXX to XXXX in debt and it shows charge off however Experian XXXX to keep, XXXX XXXX XXXX XXXX when it started XX/XX/XXXX when I was in XXXX  for which is determined by how much income I earned at the time in which was {$19.00} monthly... 
XXXX ... XX/XX/XXXX chargeoff for which it is still on credit report..FRAUD XXXX XXXX XXXX XXXX CHARGE OFF XX/XX/XXXX WHICH IS INCORRECT has violated my rights .... 
15 U.S.C 1681 SEC.602A, Sec.604ASec.2 15 U.S.C 1681C ( a ) ( 5 ) and 15 U.S.Cs-2 ( A ) ( 1 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a settlement agreement with TD Bank for XXXX XXXX XXXX XXXX. The agreement letter states that Upon receipt of your payment, your account will be considered settled in full. My credit reports show that TD Bank is still reporting a balance and not Settled in Full as stated in the agreement letter. I also have yet to receive a Letter of Satisfaction from TD XXXX. Our agreement was to pay a lump sum of {$1600.00} by XX/XX/2022. I paid {$1600.00} on XX/XX/2022 and the funds were taken from my bank account on XX/XX/2022. I have called TD Bank multiple times requesting the letter of satisfaction and for my credit report to reflect Settled in Full. One agent told me they dont give these letters or any type of receipt and that my agreement letter and bank statement is all I get. Two other agents told me they in fact do send a Letter of Satisfaction but it takes 7-10 business days. It has been 19 business days since the funds were taken from my account and 21 business days since I paid. I have still not received the letter or seen the change to my credit reports. I tried calling their Specialty Department number that an agent I spoke with gave me. He said the Specialty Department is who sends the letters and updates the credit report however, that phone number, ( XXXX ) XXXX, just plays music. No one ever answers and there is no recoding prompting you to speak with anyone. I am submitting both the agreement letter and a photo of the bank withdrawal from TD Bank.
Product: Checking or savings account

There have been many inconsistencies with my account at Chase bank.
Product: Checking or savings account

Well I was with Wells Fargo who had a settlement and I was wondering was I eligible or a claim..I seen this was a claim between the time of XXXX to XXXX I'm no longer with the but I was at that time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not being reported on my XXXX & XXXX credit reports and it 's affecting my credit.
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within XXXX business days : ( XXXX ) Appropriate identity documentation ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the customer 's identification of the pertinent data ; and ( XXXX ) a customer declaration indicating that the data is unconnected to any transactions. 
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 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. -- -XXXX XXXX account numberXXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section602A 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.C1681c a ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information other than records of convictions which antedates the report more then 7years 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 tht the information is inaccurate
Product: Credit reporting or other personal consumer reports

I recently noticed a fraudulent account has been inserted into my credit report. This account needs to be removed because is a result of identity theft, and I would like to dispute its insertion. Please provide documentation proving the legitimacy of this account.
Product: Mortgage

This is my third complaint but after talking to an attorney I need this to be looked into. Again it said on the last couple of bills that are sent monthly that I was enrolled in a loss mitigation program it said I was in a repayment program the date of that bill was XX/XX/2022 my house was sold at auction 6 days later on XX/XX/2022. If this was somehow a mistake as you are not supposed to sell the house while in a loss mitigation plan then you took away my rights to try to do something with many of the programs available then that are not after the sale so if this was a mistake how are you going to remedy it or if you meant what you did having me in and thinking I was in a loss mitigation program that is called dual tracking and is not allowed. Also there may be another problem coming as I asked for a copy of the sheriffs deed from XXXX law and boy were they mad did not really want to do it and were questioning me why they said they would have it in their possession by XX/XX/2022 and finally agreed to send it to me when they got it, today is XX/XX/2022 that is when I asked for it. I will say talking to people in the legal field really helped and I will continue now that I they are willing to help me. I also hope that the CFPB will take the time to look into this and or pass them along to an agency ( XXXX ) who will THANK YOU FOR BEING THERE!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! AND I WILL ASK THE CONSUMER FINANCIAL PROTECTION BUREAU AGAIN TO PLEASE LOOK INTO MY COMPLAINTS I AM BEGGING YOU.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Ma, I am writing to dispute information on my credit report to be accurate under the FRCA. There are several this on my report is not correct. Starting with XXXX XXXX that account is reporting wrong. The first thing is why were they reporting charge off after my charge off date. This account was charge off in XX/XX/XXXX but they reported every month in XX/XX/XXXX c/o. The other issue is why are they showing a balance when it was charge off. I want this account removed off my credit report under FRCA guidelines. The other account is with XXXX XXXX/XXXX XXXX XXXX. They report my charge off date is XX/XX/XXXX actual my charge off date is XX/XX/XXXX. Why they were reporting every month after that c/o. That does not make sense to report c/o every month after that. They are violating my rights under FRCA guidelines. Please delete this from my credit report. This is another company I am having problems with. I was on a payment plan to get caught up on my loan but they were not to report me being late on my credit report, It was in the year ofXX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Please delete this from my credit report due to reporting wrong on my credit report under the FRCA guidelines. XXXX is another one why if this account was charged off in XX/XX/XXXX, why would you report after that date c/o every month after that. I should have one c/o date. Please delete this off my credit report. under the FRCA. It is paid now. The other one is XXXX, I only should have one charge off date not several. Why would you still report c/o after my charge off date? Please delete this from my credit report under FRCA guideline.
Product: Credit reporting or other personal consumer reports

1, XXXX XXXX XXXX XXXX, am writing on my own as a natural person and consumer who is a victim of identity theft, I am requesting the immediate removal of the following items from my consumer credit report in accordance with 15 U.S. Code 1681c-2. This statute requires that any information identified by the consumer as resulting from identity theft must be blocked from the consumer 's credit report within 4 business days of receipt of my request. It has been over 30 days since my initial request, and you are in violation of this law.

This dispute is not being made in error, nor is it based on any misrepresentation of fact on my part. The information I am disputing is fraudulent, and the entities that reported these items DO NOT have lawful authority to do so. According to the law, these companies are required to have tax documents or other forms of written consent to charge off or report these items under my name. I did not provide such consent, and as such, these items are in violation of my privacy rights.

Under 15 U.S. Code 1681b, consumer reporting agencies may only furnish a consumer report in accordance with the written instructions of the consumer. I NEVER provided any written consent for any consumer reporting agency to report the information listed below on my behalf. and their failure to adhere to this law constitutes a clear violation of my rights as a federally protected consumer. 
Please delete the following items from my credit report immediately Addresses Collections Names Inquires Accounts These accounts should not appear on my consumer report, as they are the result of identity theft. Please ensure these fraudulent accounts are removed as required under the law. The companies reporting these items have failed to provide proof of my consent or authorization, which makes their actions unlawful. 
I respectfully demand that you take the necessary steps to delete these accounts from my credit report and send me written confirmation that these items have been removed. This request is made under the rights provided to me by the Fair Credit Reporting Act and related laws Thank you for your immediate attention to this matter. I look forward to your timely response. 
XXXX XXXX XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

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 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: Checking or savings account

I opened Chime checking account through XXXX website link XXXX XXXX XXXX XXXX  on XX/XX/year>. Note the website is a bit different from mine now as mine was shown as {$510.00} but now it's showing {$520.00}. But I saved the PDF when the website was showing the promotion page when I opened the account. 

I followed the instructions and the activity was tracked by their website and shown under my account as one of the " Visit History ''. I then finished all the requirements stated in the promotion terms which was direct depositing funds from my payroll into my newly opened Chime 's checking on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> and XX/XX/year> ( three times although they only require two ). 

I first reached out to their support on XX/XX/year> asking about why the activity wasn't moved to Pending state as they were already shown up in the Visit History. I got the response asking me to send back a few documents after 31 days of the 1st qualifying direct deposit. 

I then waited until XX/XX/year>XXXX  ( a few days passed 31 days of the 1st direct deposit date XX/XX/year> ) and sent the email with all the required documents to the same support following his instructions in his first email. However this time he replied that " we can not confirm the successful completion of the activity on our site '' which is obviously a lie because the activity is still clearly showing in my account as Pending and I believe that's the reason he sent me the first email asking me to reach out after 31 days of completing 1st direct deposit. The activity is never recognized by their system for whatever reason. 

I then replied to his email provided more documents including the PDF about the bonus when I opened the account and the screenshot of the Visit History showing in my account. But no responses after that. 

I'm very disappointed by their system and the support who seems to deny what he said in the first place and refuse to payout. I have followed all the instructions, completed all the requirements and send all the evidences to them but they just simply ignore them.
Product: Bank account or service

On XXXX/XXXX/2016 I noticed a pending charge of {$200.00} dollars, but my bank does n't tell me exactly what the charge is until it clears. My bank is HSBC. On XXXX/XXXX/16 I saw that my account had been charged for {$210.00} to a restaurant in XXXX that I never went to. I reported the fraud to my bank and they told me to wait for a Fraud Claim Form. Two weeks later on XXXX/XXXX/16 I received a letter from my bank telling me that they have proof the transaction was authorized and they would not be reimbursing the money. I also received a different letter including the Fraud Claim Report. In confusion, I contacted the fraud department. I asked for the proof and they claimed that my physical card was used at the restaurant. They never provided me actual proof. I asked to speak to a supervisor and was told I 'd be called back. I never received the call. This whole process I have been made to feel like I am the guilty party. They told me I needed to file a police report in order to proceed further. However, they never told me that I needed a signed affidavit from the bank along with other paperwork. I had to go back and forth to acquire these forms including taking a whole day off of work. I did file a police report. Then on XXXX/XXXX/2016 I received a letter from the bank saying they would reimburse me. When I called the fraud department to clarify they told me a different department sent that letter and it was n't valid. I live pay check to pay check and this missing money has put me in financial strain. I submitted the police report to the bank and since then have heard nothing from the bank or any sort of time line as to when this would be solved. I do not appreciate being made to feel guilty, especially when there is no physical proof provided. They have rushed me to provide evidence of my innocence and yet made no attempt to prove I actually used the card.
Product: Credit reporting or other personal consumer reports

I have hard inquires on my credit report that I didn't authorize and I don't recognize. 

Processional Financial # XXXX - XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX