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

To whom it may concern, Hope this email finds you well. I have recently opened a Wise account to make a transfer to my friend in XXXX for my tuition fee, amount is XXXX XXXX. I have provided all information as per request, from Passport, face scan photo, income slip and my father bank statement. 

And the Wise team has approved my provided information and my money was on the way already. Then my account was deactivated again out of blue by the Wise team not so long ago. 

I am in a really critical situation and I need my money back ASAP as I have to pay my tuition fee in time and that was my saving and my family support. 

I am currently working in XXXX and I am originally from XXXX which is a very poor country and I cant afford to pay anymore if I cant get back my refund money from them. 
I will be looking forward to hear from you soon. 

Thank you. 



Best Regards, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, Thank you for taking the time to read my complaint. 
First I would like it to be noted that I have already dispute this information with the company and credit reporting agencies directly neither have taken action to correct inaccurate misleading information on my credit report. 
In XXXX of this year I noticed my auto lender XXXX XXXX  paused reporting to the 3 major credit agencies. Upon doing some research it was due Covid-19 in a effort to freeze account statues to limit negative impact to their customers experiencing hardships. However I never requested such a freeze and continued to make my monthly payments  on time each month as I always have. The very next month XXXX of this year when they resumed reporting I got an alert on a credit monitoring site my account was 120 days past due. After seeing this I immediately new this inaccurate I've made every payment on time and have the bank records to support this fact. I disputed this information with the company and the credit reporting agencies each verified it as accurate even though I attached my bank statements for the months in question XXXX- XXXX and XXXX showing I made my payments on time. 
Finally today I decided to reach out to XXXX XXXX  by phone they were no help and said I would have to dispute it again even though they did not corrected the first time. I asked the rep to list all the payment dates of the last year she verified I made every payment on time.. and then proceeds to tell the delinquent payment was from the first month I opened the account back in XXXX of XXXX? and that that's why I got the late payment in XXXX almost 5 years later. I kindly explained to her if my account was delinquent for 5 years they repo 'd the car and I would have been dinged with 30-60-90-120 late payment status a long time ago which you will see in the attached file my account has reported in good standing from the time I go this lone until the time they decided to pause reporting. You will also see the reporting is inconsistent across all 3 reporting agencies for example one of my reports shows 90 days late the next month 120 days late and then next month back down to 60 days late how is this even possible. How can a account be on time in XXXX and then 120 days past due in XXXX when 120 days have not past between periods. I am requesting they remove these misleading inaccurate late payments as it is causing me great hardship I have already been rejected from one lending opportunity because of this please help me correct this misleading information thank you. I have attached my credit report showing my good history until their reporting error as well as my bank statements showing I made my payments on time every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete 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 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 asked for XXXX XXXX XXXX to verify alleged debt and didnt they didnt verify the alleged debt. But still are reporting on my credit report. This is continuing collection activity which is a direct Violation fdpca and needs to be removed.
Product: Mortgage

I have been steadily making extra payments towards the principal balance in my loan since I moved into my home in XXXX of this year. Starting 2 months ago, I have been unable to make those additional payments online and have had to call the bank and chat online and go through an extremely lengthy process to do so. Every single time XXXX chat online or talk to someone over the phone Im told theres an issue that is being worked on on the online platform. I also am getting conflicting information on payment towards my principal : some workers tell me making a general extra payment will automatically go towards my principal, some have told me its not possible to do it over the phone, some have said it is possible, and some have told me that the simple bug online will be fixed soon. I believe my account has been flagged because I have been paying thousands of dollars extra a month on my principal balance, which means less interest made on my account. The last straw was when I called a few days ago only to be told that I couldnt make the extra {$2000.00} payment on the phone, and to make a general payment online and it would automatically be applied to my principal. I knew for a fact it could be done over the phone ( I did it last month ) but I didnt feel like arguing. I made the payment, and It did not pay down my principal. It was recorded as a regular monthly payment and did not reduce my principal by {$2000.00} like I asked. I got confirmation from the employee that it would. This is the most ridiculous thing but I do believe it needs to be investigated. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX XXXX  The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
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 and 15 USC 6802. 
Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

instructions 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.

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.

15 USC 6802 - Obligations with respect to disclosures of personal information. I did not receive the required opt-out notice at the time I created the accounts that are being reported.
Product: Credit card or prepaid card

I received a US Bank ReliaCard when I started receiving money for unemployment. Upon trying to withdrawal money from my card and being unable to, I contacted customer service. Customer service was nearly impossible to reach, either the automated system would randomly disconnect my call, or I would wait and extremely long period of time to speak with someone only for them to tell me they were ending the call due to the fact that they could not hear me well. After FINALLY being able to reach someone I was told my account was put on hold due to inactivity in XXXX of 2020, which I was not notified about. The woman on the phone told me that was because alerts were not turned on for me in their system. I was told I had to fax a copy of my ID and a service bill which had my correct name and address. Not having a fax machine available to me, I had to pay to fax my documents over, which were sent to the fax number given to me by the woman over the phone and the fax went through without issue on my end. I was told the hold would be lifted in 6 business days after the documents were sent over. A month later, after hearing nothing from the company, I still had no access to my money. I was told that there must have been visibility issues with my documents and I needed to send them again, which also has resulted in no change in my account and I am still unable to access my money. I have followed every request the company has made in order to release the hold on my account, all to no avail. I have made several attempts to reach the company, all in which I have failed to be able to speak with a person. I am very frustrated, as I should be able to make withdrawals of my own money whenever needed. It should not be a near impossible task to reach a person over the phone who can help me with this issue. After feeling like I had no where to turn, I filed a complaint through the better business bureau which the company responded telling me to again send over the verification documents. I do not feel comfortable sending anymore sensitive and personal documents over fax to a company I am not even able to research as it is a third party verification service that we have been giving no name for and were told that there is no way to contact them directly other than fax. I am sick of getting the run around and being told to resend these documents containing personal information that I have sent in twice now. Upon researching this issue, we have found that several others have gone through this exact same issue and have had to file complaints via the XX/XX/XXXX as well.
Product: Mortgage

Over the past year we have had terrible problems with our mortgage company who we have called and complained to on number occasions ( probably at least 12 calls including being transferred to supervisors on numerous occasions ). We have been submitting our payments two weeks in advance of the due date of the mortgage ( 1st of every month ). We have also paid extra money with each payment to be applied to the principle. They sent me a report for the past years activity of 18 pages. The reason for the 18 pages is the mishandling of funds. Not one payment that I can see was made without revision, fees added, or the funds being put into a side account! Then billing me for fees because the mortgage was not paid. It was paid but never credited to the account, they put the funds into a side account until I called to inquire. We do use a third party company who takes the funds out of our account on a bi-weekly basis and then send to the mortgage company two weeks prior to the due  date of the mortgage. Over the past year the company grossly mishandled the payments by the mortgage company in my opinion. The balance of the mortgage has gone up and down like a yo-yo instead of a steady decrease. I would really like to get a fresh set of eyes to see if my complaint is warranted.
Product: Debt collection

ALDOUS thats a company constantly calling they said I have to pay the amount of XXXX dollars because I owned to a gym which I dont remember the name but when I ask them about my information to confirm its me they deny to answer my questions I dont know why they call me I havent been involved in a gym for years besides that they report to credit institution and is affecting in my credit I would like to solve this problem as soon is posible thank you
Product: Credit reporting or other personal consumer reports

THE COMPANY IS IN VIOLATION OF 15 U.S CODE 1681E ( B ) BY CONTINUOUSLY REPORT INACCURATE INFORMATION ON AN ACCOUNT FURNISHED ON MY CREDIT REPORT. THE ACCOUNT NUMBER IS INCOMPLETE HOWEVER THE ACCOUNT IS XXXX  XXXX XXXX. I'VE SUBMITTED MULTIPLE DISPUTES AND SOMEHOW THIS INFORMATION REMAINS UNCHANGED. IN ACCORDANCE TO 15 U.S.CODE 1681E ( B ) - WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT, IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION CONCERNING THE CONSUMER WHO THE REPORT RELATES. IT IS APPARENT THAT THE COMPANY HAVE FAILED TO PROPERLY VERIFY THE INFORMATION THAT I'VE PREVIOUSLY DISPUTED. 

IN PURSUANT TO 15 U.S.C 1681S-2 ( A ) ( 1 ) ( A ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER OR ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE ANY INFORMATION TO BE INCORRECT. 

ACCORDING TO THE IRS, A CHARGE OFFIS CONSIDER AS '' ORDINARY INCOME '' OR CANCELLED DEBT. INCOME SHALL NOT AND CAN NOT BE REPORTED TO A CONSUMER REPORT. THE COMPANY HAS FILED THIS INFORMATION ON THEIR TAXES THEREFORE IT IS NO LONGER DEBT. 
THIS INFORMATION REPORTED IS INCORRECT, INACCURATE, INCOMPLETE AND MISLEADING.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following late payment entries on my credit report : XXXX XXXX - XXXX - {$0.00} These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.
Product: Money transfer, virtual currency, or money service

Yesterday ( XXXX XXXX ), I was using coinbase via my account to trade bitcoin. I had added my debit card to the account to initiate another deposit and then tried to initiate a {$700.00} deposit into the account. This transaction was denied twice, I think that I missed that there was an account limit of {$750.00} per month and I had already deposited {$700.00} previously ( XXXX XXXX, XXXX ). Because of this, the system flagged my account and disabled trading on it. Due to this, I was locked out of my XXXX account altogether ( XXXX and Coinbase are the same company, XXXX is a more in-depth trading site for advanced trading, I can login to XXXX through Coinbase ). This is the main problem because my initial {$700.00} deposit from XXXX is in my XXXX account, plus I had an additional {$700.00} bank deposit directly into XXXX a few days prior that was pending into that account. Altogether, with the recent rise in value of bitcoin, I have approximately {$1600.00} worth of USD/Bitcoin in XXXX which I 'm currently locked out of. 

Coinbase support is notoriously non-existent. I 've tried contacting their support members on XXXX, opening a case with their support, and phoning their support line, all to no avail. Essentially, I just need access back to my XXXX, and for that to happen, buying to be re-enabled on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I began personally disputing an adverse account for {$170.00} that had been listed on my credit reports that did not belong to me. I received replies from the CRAs that the information was verified accurate although no information was provided to attest this. Instead of disputing through the CRAs again, I disputed directly with the original creditor listed on the reports. I sent the letter to the original creditor on the XXXX day of XXXX. In less than two weeks, I received a response letter requesting additional documentation. 

On XX/XX/XXXX, I mailed additional information to the original creditor and on XX/XX/XXXX I received a reply that states they submitted a request to XXXX, XXXX XXXX, and Experian to remove the trade line. The letter also states " The credit bureaus request that you allow 14 to 30 business days for this request to be deleted from your credit report. '' XXXX XXXX and XXXX   removed the trade line within the 30 business days. Experian has not removed the trade line despite of the original creditors request ; I've also sent the acknowledgement letter I received from the original creditor to Experian and still nothing. 

Experian is continuing to report information that has been recorded as inaccurate. They are in violation of Section 611 ( 5 ) ( A ) as well as Section 617. The original creditors request has been ignored by Experian. This error is affecting the way I am perceived by creditors. The trade line that Experian is continuing to report is not an accurate indicator of my actual credit worthiness.
Product: Credit reporting or other personal consumer reports

The Bureaus Inc. The Bureaus is a Debt collector having a place of business at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They are collecting a debt real or alleged found on my XXXX and XXXX XXXX XXXX, therefore they fall under the rules and regulations as set forth in the FCRA and FDCPA. I am making you aware of a indecent of a violation of these laws. On XX/XX/2023 a single payment towards the debt in question was remitted for the amount of {$1.00}. The balance due prior to this date was {$730.00}. Once that real payment was processed they did in fact update showing that they took the money as shown on the PDF Collection Status Prior to XXXX with the new balance as of XXXX being {$730.00} with a report as shown generate XXXX XX/XX/2023. On that very day or just prior to we initiated a validation of debt complaint Via XXXX it is my/our right per the FCRA and FDCPA. On the XXXX XXXX XXXX XXXX the XXXX dispute was updated by the Bureaus with a change a increase of XXXX dollar to the balance. 

I submit : 1 ) This a clear violation of the FCRA section 609 in regards timely and [ accurate reporting. ] 2 ) A violation of the FDCPA in regards harassing the consumer as this move of willfully negating any and all payment s then reporting a balance increase was malicious in intent and in the context usher forth, a form of punishment for opening a lawful validation of debt complaint though the Better Business Bureau.

Each one of these a {$1000.00} per violation under the FTC and would be enforceable adjudicated in a Civil court.
Product: Credit card or prepaid card

My account had been in arrears and was restricted. I set up a payment plan to catch up on my account and have the restriction removed. I began paying off my account earlier this year. Once my account was no longer behind and I was currently with payments, I called and asked about having the restriction removed. I was told by a customer service agent that with XXXX on time monthly payments or paying off the balance in its entirety the restriction would be removed and I would be able to use my card. I made XXXX monthly on time payments. In fact, the third monthly payment I paid off my entire bill and currently have a {$0.00} balance. When I called back I was told that I would have to wait close to 30 days for the restriction to be lifted. I stated that's not what I was told previously by Customer Service. So then, I was transferred to a Specialist would said the restriction would be removed in 10 days. I called back and now I'm being told it will be 10 BUSINESS days. I've paid my ENTIRE balance and just want to use my card!

I constantly remind them the calls were recorded, so what was told to me can be verified. But each time I speak with Customer Service agents they tell me something different!
Product: Mortgage

My name is XXXX XXXX XXXX and i, m being Deined the right to Purchase a House from HUD .My credit # is XXXX the Bank is saying that i need XXXX or XXXX to get a Home Loan even the Credit Union is saying thati need XXXX and XXXX to buy .Thats a Violation of my rights it puts me in a deined state .We are also being Deined because we don, t live in Mississippi, But we are relocating to Mississippi.
Product: Credit reporting or other personal consumer reports

I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me XXXX They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.
Product: Consumer Loan

One year ago I used Navy Federal Credit Union to finance my first vehicle. I purchased the vehicle from a small dealership, XXXX XXXX in XXXX XXXX Virginia. At the time of the purchase the vehicle was worth {$8700.00}. The dealership provided a XXXX but my copy did not have the value of the car listed. The vehicle was financed by Navy Federal Credit Union for XXXX at 9 percent. NFCU financed XXXX percent of the fair market value of the vehicle. NFCU allowed me to purchase a vehicle with over {$4000.00} in negative equity. I went to NFCU to apply for refinancing of the vehicle and was told that I could only refinance if I paid down and additional {$2000.00}. Why was it ok for NFCU to finance me into a vehicle that had over {$4000.00} in negative equity and now that I have improved my credit with regular payments for a year and want to refinance they demand an additional {$2000.00}. Why is it ok for a lending institution to finance a car for so much more than it is worth. I thought that a credit union called Navy would look out for me.
Product: Debt collection

XXXX XXXX made unauthorized payments on my account as shown in my last dispute and I had evidence. I have yet received any of that money back. Also the judgements and paperwork that was sent to an address that is not me and at an address I don't live at in another state. The person that is described in the paperwork is not a description of me I don't know who that is or who address that is. Please remove this debt. The person description given that is described in the documents is not me. I am pretty sure about it. And I don't live at any of the addresses that I provided. I am not caucasian, I don't know who they are talking about or who address that is. Its definitely not mine. I don't even live in GA. I bet if you send me a letter I won't get it, because I don't live in Georgia nor lived at any of the address I provided when you sent those " letters ''. I never even heard of cooling and law.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for and purpose.
Product: Credit reporting or other personal consumer reports

I do not recognize these credit Inquiries and I have asked for them to be removed and the bureaus did not do as I asked. 
I am going to tell them that I am providing an identity theft report which I will attach to this and I am requesting them to be removed because they are inaccurate and not mine.