23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My self XXXX and my wife moved from XXXX to XXXX in XXXX XXXX.before that we closed our bank account in XX/XX/2019 in BANK OF AMERICA.after from here my wife 's school ( XXXX UNIVERSITY ) gives her credit back that is {$1900.00} CAD, {$1900.00} CAD Total {$3800.00} CAD on Bank of america account , which Is already closed.XXXX  university processed the first refund on XX/XX/XXXX and the second on XX/XX/XXXX ( Moneris confirmation that the funds went through ( XXXX and XXXX ) .and bank of america is also saying that they don't received any money from anywhere from that closed bank account. 
Now both are saying that they don't have any money.Moneris is saying they sent and its went through and BOA is saying they don't received Any. 
So i need help in this case.i need my money back.
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 : # 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 XXXXXXXX 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 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

SEE MY CONSUMER STATEMENT ATTACHED ALONG WITH FTC REPORT
Product: Mortgage

We are in the process of refinancing our existing mortgage. The process began in mid XXXX and stalled at nearly every point of the way. It is now almost XXXX and we do not even know where we are in the process. In the middle of a pandemic, they asked us to pay for our appraisal and refused to tell us when the appraisal would actually be handled. As usual, the process of getting in touch with the people handling our mortgage has consisted of ATLEAST 3 emails, 5 missed calls, and a call to their supervisor. At this point, we receive not a call back but an email telling us which documents to upload. We upload the documents, which have usually already been uploaded, and when we ask if they can see the documents, there is no response. And they do not communicate with us ever again. Then a few weeks later as we realize there has been no progress or communication, we start the process again. The workers there clearly do not understand that they work for a mortgage company and people who have a mortgage on their home in which they live in with their family do not enjoy having their entire life/savings dangled in front of them. We have been hung up on multiple times throughout this entire process, forced to sign the same documents twice, upload some documents thrice, and pay almost {$500.00} for an appraisal that is apparently never going to happen. This is already a frustrating time and instead of being upfront, they are dragging the entire process out repeatedly. And now, when I log in to the Flagstar website, it tells me some of my documents are expired. Tell me how long a mortgage company can begin a process and not finish before the documents expire? This is by far the worst mortgage company I have dealt with and would not be my last choice ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am verifying that XXXX XXXX is mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at
Product: Money transfer, virtual currency, or money service

I am an agent of XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXXXXXX. MyXX/XX/XXXXis XXXX XXXX XXXX Zoom Zoom. My XX/XX/XXXXnumber with them is XXXX. I used to do a wire transfer and sell money order as an agent of XXXX. XXXX went out of business and lot of money transfer sent and money order sold they asked me to refund to the customer saying they will settle the amount with me by check payment. I did issue refund to the customer as an agent. I also processed some checks directly into their system to which they owe me a credit. In total they owe me {$25000.00}. Now I could not get hold of them as they went out of business. I am a XX/XX/XXXX running in credit card almost to the point of the bankruptcy with the amount I lost.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card with XXXX XXXX, i was never late and the card was what i used for travel for work. I reported a unk charge and i was told to call company and dispute it. I did, they told me four or five different things and refunded the XXXX $ then a week later took it back with no reason. In XXXX I opened a checking account with them to make it easier to pay bill and again safe to have one account for travel. My 1st depost was kicked back, they said I did not " depoist '' money in time, They told me they " fixed '' it and all was ok, they closed the old one and opened a new account for me. I set up a weekly wire transfer from my bank to XXXX  XXXX checking as well, While i was on the road for work I noticed on my XXXX account the wire transfers were getting retunrned and i was getting charged XXXX $ each time, I tried to stop it and was not able to - Then i noticed i was having trouble paying my XXXX  XXXX credit from my XXXX  XXXX account ... .So in order to keep it paid on time i paid from XXXX account. Then my credit card was put on hold for returned payments. When i called XXXX XXXX checking which I just found out were NOT the same company they told me THEY mixed up my account number and that was why. So we called Credit card side and they told me it was too late and took my credit card away I drove to an actiual XXXX  XXXX branch and showed them all of the paperwork. They said in XXXX they would look into getting if fixed - They have now put it on my credit report falsy and refuse to fix it or pay me the fees. This has now caused my credit to DROP and one of my others to be closed by the com [ any that issued it beacuse of this. They lied to me and took over XXXX from me and has cost me losing my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified inquiries listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 Credit bureaus was dated XX/XX/XXXX, but I never received a response from them. These inquiries must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these inquiries, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 EXPERIAN XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Upon review of my consumer report with Equifax and XXXX, I noticed several hard inquiries that pertained to accounts that are not active/opened as well as promotional inquiries and account review inquiries that I didn't initiate nor did I give written permission to the consumer reporting agencies to procure my consumer reports to any of these third parties. Pursuant to 15 U.S.C. 1681 b.- permissible purposes of consumer reports, this constitutes a violation. I'm requesting Equifax and XXXX to remove these inquiries from my consumer report and to compensate me {$1000.00} per inquiry per 15 U.S.C. 1681n a ( 1 ) ( A ) - civil liability for willful non compliance. Below are the third parties listed and the number of times each creditor obtained a report. I have also attached the report for your reference and my proof of claim. 

Equifax : XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Total = XXXX inquiries XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ) XXXX XXXX  XXXX XXXX XXXX- ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX ) ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) - XXXX XXXX ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX Inquiries
Product: Mortgage

Wells Fargo has been a headache for a long time ago! I have ask several time for some help but this lender has not help me once!! 

After the XXXX XXXX assistance have help me so much!!! I appreciated but while my mortgage with Wells Fargo bern in the process of loan modifications, bankruptcy, foreclosure and so on shouldnt have this much late charges fees the least Wells Fargo can do is waive the fees for the pain and headache they cause me all this years I would like for wellsfargo to waive this late charges Im the amount of {$2700.00}. And apply payments for XXXX and XXXX 
the least they could do since they cause a big load of pain all this years
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX reported that I used there accounts fraudulently. That information they reported was fraudulently, my account was compromised and I received a call from XXXX & I notified them that it wasnt me and they indeed said the fraudulent action that was taken on my account would be canceled and then they mentioned a few days later my account would be closed. Ive been disputing this for months and they said it was verified as in they did not take the extra steps to verify any signatures on the fraudulent check that was deposited, IP address or anything as in it wasnt me. The company responded with a mailer stating that the fraud information they noted on my early warning report and XXXX that was false was no longer reported and listed as they removed it but it is still listed and Im still getting denied and declined for bank accounts. They have lied again just as they lied and put this false information on my report, lied and said they removed it and its not reporting which it is.
Product: Credit reporting or other personal consumer reports

First cause of Action : Acquiescence/Nonresponse to Failure, By Not following the Check Clearing for the XXXX Century Act, aka Check XXXX system, which has caused me Injury and Damages ; Second Cause of Action : Acquiescence/Nonresponse to Failure, By Not Following by THE NEGOTIABLE INSTRUMENTS ACT XXXX, XXXX, THE NEGOTIABLE INSTRUMENTS ACT { amendment and miscellaneous provisions ) of XXXX, which has caused me Injury and Damages ; Third Cause of Action : Acquiescence/Nonresponse to Failure, By Not Following The Federal Reserve Act of XXXX, The Federal Reserve Banking Act of XXXX, which has caused me Injury and Damages ; Fourth Cause of Action : Acquiescence/Nonresponse to Failure , By Not Following House Joint Resolution 192- PUBLIC LAW 73-10, which has caused me Injury and Damages ; Fifth cause of action : Acquiescence/Nonresponse to Failure, By Not Processing my Negotiable Instruments because they are Linked to and through My XXXX XXXX XXXX XXXX XXXXXXXX routing and account number, which has caused me Injury and Damages ; Sixth Cause of Action : Acquiescence/Nonresponse to Failure, By Causing a waste of my precious time and resource trying to resolve this issue with My Vendors and Utilities Companies, which has caused me Injury and Damages ; Seventh Cause of Action : Acquiescence/Nonresponse to Failure, By Causing me to find alternate means of making payments of my public debt, which has caused me Injury and Damages ; Eight Cause of Action : Acquiescence/Nonresponse to Failure, By Not returning and destroying my property i.e . my Negotiable instruments, MOAs and or Checks which has caused me Injury and Damages ;
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.

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX, Account name : XXXX XXXX ( Original Creditor : XXXX XXXX ), Account name : XXXX  # XXXX, Account name : XXXX # XXXX, Account name : XXXX  # XXXX, Account name, XXXX XXXX  # XXXX, has violated my rights. 

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

15 U.S.C.1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an 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 7 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, credit repair services, or other personal consumer reports

I filed an identity theft report through the FTC. I then provided said report to all three credit monitoring agencies with the request to remove all accounts marked as fraud and identity theft. Equifax has removed 3 fraudulent account but refuses to remove the remaining two fraudulent accounts from my credit report stating that that is their company policy. The accounts in question are XXXX and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I contacted XXXX and Experian months ago about being a victim of identity theft. I found out months ago about collection accounts in my named. I did not authorize or approve anyone to open any accounts in my name. I was advised by a customer service representative from both bureaus to get a police report for removal. I provided my approved police report with supporting documents and my ID immediately to both credit bureaus. XXXX added more collections to my credit file, dropped my scores and refused to delete or block all fraudulent accounts. Experian is refusing to block all fraudulent accounts or delete. I provided everything both companies ask for and both are still giving me a hard time after both companies assured me all fraudulent accounts will be deleted once I get an approval from the local authorities.
Product: Debt collection

This company which employees some of the worst people in the state of Massachusetts is breaking the law daily. There employees hide behind fake names and the owner hides under his desk and is never available. They scam, lie, commit fraud and use the courts as a game without properly notifying people in order to obtain default judgements. I 've been in contact with the States Attorney General 's office about this company and they are aware of the activities of this company. This occurred to me unfortunately due to a divorce. I had a discover card at one time many years ago. The Discover company and I negotiated a debt cancellation many years ago and settled the amount of the debt for {$1100.00} which was taken care of and I received a XXXX form from them. This XXXX " collection agency '' somehow has this old debt from an equally bad company called ( XXXX ) pronounced ( XXXX ). This isn '' t a joke the other collection agency they represent is called CASH. They have been harassing me for years and obtaining judgements without my knowledge and now its for XXXX Extremely laughable and criminal.. I 've also filed for bankruptcy as well which makes this even worse for the XXXX " collection agency ''. In the meantime they have harassed my work and are now looking to garnish my wages which will never, ever happen! I am XXXX and this has threatened my employment and standing in the XXXX. Since they have been playing games with the same XXXX. If this company thinks they can steal my money they are in for a rude awakening. I have no money and what I make does n't even feed my family. I could n't spare {$1.00} and the court would easily see this and is the reason for the bankruptcy filing to begin with.. My income to living expense ration is negative. I will be pursuing a law suit against this company unless this civil lawsuit is dismissed and vacated immediately. If I should lose my employment due to this companies and XXXX actions, a lawsuit will be forthcoming which will be huge. A copy of this complaint is being sent to my Attorney XXXX XXXX in XXXX, MA.
Product: Credit reporting or other personal consumer reports

I sent out letters disputing all items in my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX on XX/XX/XXXX also to Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX, and Also to XXXX XXXX XXXX XXXX XXXX, TX XXXX .... All Accounts on these credit reports, No actions were taken as was a victim of fraud and unfair credit reporting under 15 USC 1681, and was involved in the recent credit Breach. 
XXXX XXXX XXXX and a bal. of {$3400.00}, XXXX XXXX revolving XXXXXXXX  bal. of {$540.00}, XXXX XXXX XXXX XXXX bal. of {$390.00}, XXXX XXXX XXXX XXXX. OF {$780.00} ORIGINAL CREDITOR XXXX XXXX XXXX XXXX BAL OF {$63.00}. ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX {$630.00}, AND AN ADDITIONAL XXXX XXXX XXXX  {$470.00} XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I received a student loan for the school : XXXX XXXX and XXXX XXXX XXXX. In XXXXXXXX XXXX. From The US department of education through FASFA. I believe it was XXXX or maybe XXXX. I recently found out that the credit companies and the US. Dept. of Education have added three student loans. for various amounts. I can verify I was in XXXX  from XXXX and XXXX XXXX. I have only applied for the one and received the one student loan. and for those years I was in XXXX  I received a letter upon my request saying they would stay the interest. I don't even know how to go about setting up payments. Also, I only have one student loan that is legit and mine.

So the issue is there are 3 student loans that I'm indebted for but only one is legit and mine. I have only applied and received 1 student loan in my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts reporting are due to Identity theft so are the inquireis they need to be deleted. 
XXXX XXXX services and XXXX
Product: Credit reporting or other personal consumer reports

It has come to my attention my personal information has been exposed in a national data breach. Reviewing my credit reports, I noticed some accounts I am unfamiliar with. I have asked the CRAs for validation of debt, however, the information has not been provided Due ta my information being exposed, | have submitted a FTC complaint reporting the information i am not familiar with.

Please find attached a copy or My ID. The FTC complaint, a copy or the NPD report showing my information being exposed in a national data breach and a Validation of debt letter
Product: Credit reporting or other personal consumer reports

It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off.

The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper.

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

I applied for a Citi / AAdvantage Executive Card and though I have over a XXXX credit score and met all of their qualifications, Citibank did not give me a reason for declining my application.
I believe since the representative knew I was a gay man he changed his demeanor on the phone dramatically. I was initially told it would not be a problem and then when he asked me if my spouse would be a co-signer I stated that I am not married but engaged to another man. Also, I told him I was an american citizen and I guess due to my XXXX accent he did not believe me. Two strikes apparently.
He sounded alarmed and then cut the conversation short. I am very concerned about their conduct and am extremely hurt by being turned down for the card. I have impeccable credit and have thousands of disposable income. I make over $ 85K a year and no debt.
I have made a copy of FICO score for your review. Please help me.
Thanks, XXXX XXXX