23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts 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 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 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 XXXXXX/XX/XXXX
Product: Checking or savings account

I have a business account with Wise, since before the name change from TransferWise. I represent a nonprofit org ( XXXX ) and have used them for years to receive donations and reimburse volunteers on out of pocket expenses. 

Without warning, 3 days ago, Wise sent me an email stating I was deactivated : Weve deactivated your whole Wise account. We've also cancelled any pending transfers and refunded them to their origin. 

Learn how long refunds take. 

The reason behind our decision is because your activities exceed our risk tolerance. Please refer to section 1.2 of our Acceptable Use Policy, which states that we reserve our right to deny our services to any customers who exceed our risk tolerance. Just because we cant offer you our services going forward doesnt mean that we think your business activities are illegal or illegitimate it just means that we dont support those types of activities. 

I appealed it, and they said they will keep the account closed. I got no other information why. 

So now they have all the org 's money, so I asked for an ETA when they could send me back my money, and provided the same bank account info that was in the Wise account again in the Appeal form. 

They linked me XXXX XXXX XXXXXXXX, which says ACH transfers such as mine can take up to 60 days. 

I have reached out to them via XXXX in hopes it would be a helpful discourse, and learned many others didn't get their money for far longer than this. 

I am still trying to work with them, but its frustrating because they give me bad links and advice ( telling me to go enter the info in the appeal form, telling me the 'self service ' was cancelled, all sorts of things ) and I have no idea how my org will operate with no money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed multiple disputes with XXXX, XXXX, and XXXX in regards to the incorrect items on my credit reports. It has been well over 30 days and I haven't received any investigation responses to my letters that I have sent to the Credit Bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit card company XXXX XXXX XXXX has sold my account to a collection company.The company had fraudulent charges on my report they was deleted from my report but the original company is still on my report and has reported inaccurate information and dropped my score 47 points the credit bureaus will not help in get the inaccurate information off my report all because there is a XXXX balance showing
Product: Credit card or prepaid card

Citi charged me a {$25.00} late fee on XX/XX/2020 and a {$29.00} late fee on XX/XX/2020. The creditor failed to mail me a billing statement for each period and because of that, I was unaware that I had to make a payment. Please provide a credit of at {$54.00} for the late fees AND credit me for any interest accrued due to those late fees. If Citi disagrees with this, please provide proof that you mailed out the credit card statement for all the periods where I was charged a late fee for and proof that I actually received them. Such proof includes tracking information with USPS, XXXX, XXXX, or a certified mail receipt. Thank you.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX BALANCED {$1900.00} XXXX XXXX XXXX BALANCED {$560.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
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

I attempted to dispute these online via the application using XXXX, to no avail.I never authorized XXXX, Department of Education XXXX XXXX XXXX  XXXX, or XXXX to share my personal information with anyone. This was never a loan. I am aware this entry was merely a creation of numbers and decimals, obtained by my signature. As noted in UCC 1-201 ( 24 ) and UCC 3 ( 104 ). This was a consumer credit transaction. An extension of my own credit, as there has been no real money since 1933, therefore all debt is discharged and otherwise the responsibility of the United States. In accordance with XXXX XXXX Part XXXX and the Privacy Act of XXXX, I wish these entries to be removed from my credit report, simply because I did not authorize them. These entries are showing a " current '' report status even though some are 12 years of age. I did not nor do I now consent to my personal information being shared. It is fact that my signature secured this transaction. Please remove these immediately, as this is constructive fraud. 
Reference # XXXX. There are XXXX total entries totaling {$24000.00}. XXXX, XXXX, and Equifax are not even credit bureaus, they are private agencies playing with people 's lives. Straight fraud!
Product: Debt collection

Ally Financial regarding their assignment by XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX NC. No notarized XXXX XXXX has been presented! Also No consideration was given unto me for allowing them an extension of my unlimited credit! I was not and have not been compensated as is shown in the columns of financing on the copy of the agreement! Both parties being XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC and Ally Financial willfully and maliciously did not disclose pertinent information as to rights of arbitration and rescinding, meeting of the minds, notice of a fiduciary relationship in a trust transaction just to name a few i have learned! I am to be made whole! I am injured! Let this be notice to them as opportunity to cure.
Product: Credit reporting or other personal consumer reports

THIS INACCURATE INFORMATION FALSELY MANIPULATES THE STATUTE OF LIMITATIONS. YOU FAILED TO INVESTIGATE THIS ACCOUNT PROPERLY AND YOUR NEGLECT HAS VIOLATED MY RIGHTS. I AM DEMANDING A DELETION OF THE FOLLOWING ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Midland is reporting in my credit file however it is inaccurate because it was said to be late yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account came from but they failed to provide me so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for  all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Personal information : Name : XXXX XXXX XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX {$1800.00} late payment : XXXX XXXX XXXX XX/XX/XXXX {$6400.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} inquiries : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I was going to do solar panel in my home. After the city didnt allow this project on XX/XX/XXXX, they should cancel the loan. The loan remains open until now. 

I just realized they didnt cancel/remove the loan on XXXX when I was trying to buy another house. After that I called them many times asking them to remove but they still didnt remove. Because this loan on my credit score I was not approved to buy another house.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion should not be reporting that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
Bankruptcy XXXX  XXXX-discharged Bankruptcy : Discharged XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I received two notifications from my identity monitoring service ( XXXX  ). The first was a hard inquiry on my XXXX credit report from JPMCB Card Services, and the second was a hard inquiry on my XXXX credit report from JPMCB Card Servies ( misspelling of Services was intentional ). Later in the day, I received a voicemail from someone who claimed to be calling from the Chase Bank Fraud Prevention Department. He asked me to call ( XXXX ) XXXX and include a 12 digit reference number that he provided. However, he referred to me by my middle name, which led me to believe that someone may be attempting to open an account by using my middle name. I havent been able to verify whether the phone number and reference number are legitimate as there is a wait time of over 30 minutes when I call Chase Bank.
Product: Money transfer, virtual currency, or money service

Dear sir Prompted by the surge in cryptocurrencies in end of XXXX, I registered on the website www.coinbase.com ( XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX ) on XXXX XXXX with my email address XXXX and paid them in a few transactions- 1 ) EUR XXXX ( GBP XXXX ) on XXXX XXXX by bank transfer. This transfer was rejected by the Coinbase system and was returned to my bank account. ( GBP XXXX ). There was no reason given for this rejection, and I have lost XXXX ( GBP XXXX XXXX XXXX and XXXX pence only ) in  the process of currency conversion. 

2 ) XXXX ( GBP XXXX XXXX XXXX and XXXX XXXX pence only ) on XXXX XXXX ( using debit card ) to buy XXXX -This transaction was made on request of Coinbase customer care executive ( XXXX XXXX. XXXX XXXX ) to verify account, and I was told this will be refunded immediately. However, this amount has since been lost somewhere. 

3 ) XXXX ( GBP XXXX XXXX and XXXX only ) on XXXX XXXX ( using debit card ) to buy XXXX XXXX This transaction was made by the customer care official, when he took my debit card details on the pretext of refunding the first transaction. ( I didnot authorise this transaction, this money was stolen from my account ) This amount has also since been lost somewhere. 

4 ) XXXX10 on XXXX XXXX ( by bank transfer my from bank account ) This was a test transaction I made to ensure my account was still valid. 

So far, I have lost XXXX ( GBP XXXXXXXX XXXX XXXX only ) in fraudulent transactions and bank charges. 
In the process, I have so far purchased XXXX. However, I have no option to sell it back/convert to GBP. 

I wrote to Coinbase on XXXX XXXX, and I got an email from them on XXXX XXXX saying Unfortunately, due to the technical nature of most digital currency networks, it is impossible for us to reverse this payment and we are unable to provide any mediation with this matter.
Product: Money transfer, virtual currency, or money service

XXXX XXXX : On XX/XX/year>, I wanted to send my mover a {$50.00} dollar tip. I went to our messages and proceeded to go through the steps, and before i could do my face recognition to verify that I was sending it, {$50.00} was taken from my XXXX account which was linked to XXXX XXXX, but it did t not show that it sent. I waited a moment because I was confused, and ended up sending it again to verify the purchase with Face ID. When I called XXXX, they told me the payment was sent twice and that there was an error on their end but since it pulled from my chime and not from a balance in my XXXX XXXX that they could do nothing about it and to dispute it from my bank. I called XXXX and told them what I just learned. I disputed the transaction but the transaction was denied because they had no prove that it was an error with XXXX XXXX. 

My Cash App was closed for gambling activities. XXXX XXXX  had a fundraiser and some of the people didnt have cash, so I allowed them to send to my cash app. After a couple of days, I went on to see if there were any remaining funds in the account so that I could turn them in to her school and noticed my account was closed. I immediately went to my email for the cause, thinking that it was compromised and they hadnt sent me anything. I talked to chat support in the app because I was unable to get a live agent on the phone, and requested the document on why it was closed. I went through a long process of appeal to be denied insinuating that I was gambling with the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on my credit card account under an open end consumer credit plan as late for and purpose.
Product: Mortgage

I spoke with Ditech Financial customer service in XX/XX/XXXX and XX/XX/2016. At the time of my second call at the end of XX/XX/XXXX I was told that I was in the beginning stages of a loan modification review and I asked specifically if I needed to continue making payments between XX/XX/XXXX and the first payment date of XX/XX/2016 for my XXXX trial payments. 
The customer service rep told me that no, I did not need to make additional payments before starting the trial payments because those would be rolled into my new modified loan amount and everything would be brought back to current after the modification was completed in their review system. 

I followed the lender 's advice and did not make my XX/XX/XXXX and XX/XX/XXXX payments as I was told I could, but now I show multiple delinquencies on an account that was currently NEVER even 30 days late. I was lied to and that misinformation has ruined my mortgage history.
Product: Checking or savings account

Wells Fargo Bank allowed XXXX to open a fraudulent payroll account and conspired to fraudulently steal {$29000.00} in XXXX ( XXXX ) electronic disbursement from my XXXX account silently, without customers ' authorization. My company never had an XXXX PAYROLL account nor authorized anyone to open XXXX. 
It is common knowledge that companies make a maximum of XXXX draws per pay period, usually every XXXX weeks. Wells Fargo and XXXX failed to identify a fraudulent payroll account opening, leading to XXXX ( XXXX ) unusual and unauthorized payroll withdrawals from my company bank account over XXXX days. Wells Fargo Bank has not block XXXX from additional XXXX withdrawals from my other accounts that were submitted today ( XX/XX/year> ). Wells Fargo Bank has the fiduciary duty and legal responsibility to protect customers ' money and must return the stolen money.
Product: Credit reporting, credit repair services, or other personal consumer reports

My son moved to XXXX several years and terminated a phone contract with XXXX - he was told there would be no early termination fee after he went up the chain of command at XXXX because he was leaving the country. We received no bills after that. In 2015 I had a credit check done and a delinquent bill came up to XXXX in the amount of {$100.00} ( evidently they did end up charging him/me an early termination fee ). I called XXXX, told them we were not even aware of bill and I immediately paid it to resolve issue. This week in the process of buying a car I saw this issue is still on MY credit report. I disputed it with Experian and after checking with XXXX they kept it on report. I then called XXXX ( where I am a very loyal customer ) and they stated there is nothing they can do to remove it from my credit history - that I will have to wait the 7 years?! Do I have no recourse? How do I get this removed from my credit history - I had no awareness of bill, no communications - and neither did my son for that matter. Thank you for any assistance you can provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I sent in letters to update my personal information on XX/XX/year> and have not removed the addresses or my name
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a closed account from XXXX, Account # XXXX on my credit report that doesn't belong to me. This account was opened in XX/XX/2016. It has been disputed by all three credit bureas & XXXX/XXXX. It was resolved & deleted from my credit report but for some reason it keeps reappearing on my TransUnion report with no explanation. I have disputed this again with no luck. I am demanding that XXXX  abide by the FCRA & delete this account from my credit report. It is fraud & damaging to my credit!