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

I had opted for a business account for my XXXX XXXX in the XXXX - my company provides XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I need a multicurrency account to make transactions easy and secure for my clients- Wise promises just this! 

However, they simply deactivated my account without any valid reason. They refuse to tell me the reason and it is very difficult to contact them and have logical exchanges - even if there is nothing wrong, they are reluctant to change their decision. Due to such behaviour, my transactions were interrupted, and I am having issues with my business. They are not delivering what they have promised to the business clients.
Product: Checking or savings account

XX/XX/2020 my savings was completely withdrawal from my chase savings account. Ive filed a fraud document with chase today, XX/XX/2020. The amount was {$11000.00}. I thought I could trust this person with my information login and of course I was betrayed.
Product: Credit reporting or other personal consumer reports

I have periously submitted this account and with all documentation that this account is fraudulent and is not mine and needs to be removed from my credit report immediately as it is an unauthorized account Account name : XXXX Account # : XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I submitted a request to consolidate all my federal student loans into one account. My request was approved by the loan servicer and the consolidation started in XX/XX/XXXX with the requirement to not make any payment to the different accounts during the processing of the consolidation. The status of those different accounts showed Paid as agreed for XXXX, XXXX, XXXX, and XX/XX/XXXX in accordance with the direction I was given to not make payment during consolidation. In XX/XX/XXXX, all these accounts status showed " closed '' or " consolidated '' and a new account appeared on my credit report consolidating the balances of all the accounts into one account with status sowing " open ''. To my surprise, the new account payment status appeared highly negative sowing " 90-day late ''. I contacted the loan servicer immediately and they recognized their error and promised an immediate correction. For the last 4 years, I have tirelessly complained to have the account updated with no success. All my requests for correction, information validation, or deletion have yielded no result except for XXXX which deleted the account altogether. XXXX and Experian continue to date to report that erroneous information despite their inability to validate or verify. 

This incorrect information has damaged my ability to access credit or pursue my education. The credit bureaus are blatantly in violation of my right according to the law : - 15 U.S. code & 1681a - Definitions ; rules of construction I U.S. code I US Law I LII - 15 U. S. code & 1681s-2- Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of Information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors.

- 15 USC & 1681a 2 ( A ) ( I ) -- Exclusions - Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Credit card or prepaid card

Several fraudulent credit cards were opened in my name, while I was incarcerated. I believe that a family member and/or friend of the family opened said accounts and utilized their proximity to the multi-unit residence that was once my address also. 
I was incarcerated between XX/XX/XXXX and XX/XX/XXXX, Ive provided the below listed creditors with official documents from the local sheriff, letter of Incarceration detailing the time period I was in custody ; yet Discover financial refuse to remove these fraudulent accounts from my credit files. This has affected my ability to get a car loan, and other necessary credit and housing accommodations. 
Discover acknowledged that one of the charges on the fraudulent account opened in my name, reflected a charge to XXXX  a money transfer service for incarcerated individuals, where money had been sent to me, and another unknown individual. This in itself evidences, the fact that I was incarcerated, and someone sent money to me ; ( likely one of the many family members who I requested money from while incarcerated ) However their ( creditors ) illogical rationale for stating the account is legitimately mine, is because some lowlife family member sent me money, from a fraudulent card they had obviously gotten in my name! 
I have requested that both creditors, Discover financial, review the 1 ) .written application for credit, 2 ) .the voice recording ( if the application was done via telephone ) and/or 3 ). the IP address from the electronic device/computer that completed the application ; which will prove that someone other than myself, who had ABSOLUTELY no authorization for me, opened these accounts fraudulently! 
The other fraudulently opened accounts, bank accounts, and utility accounts which were all opened fraudulently by someone else during the period of my incarceration ; have been removed after I provided those companies with the same documentations Ive sent to Discover!
Product: Money transfer, virtual currency, or money service

On XX/XX/21, Zelle transferred {$490.00} from my checking account to someone named XXXX XXXX. I do not nor have I ever had a Zelle account. I do not know XXXX XXXX. 

My bank was notified XX/XX/21 that this transaction was made without my approval. The transaction was not stopped. I phoned Zelle to make them aware, but was told this was an issue I had to take up with my bank. They would not help me.
Product: Debt collection

This bill was never mine. XXXX XXXX i do not know anything regarding to this bill that was mail to my name. Please fix this matter.
Product: Student loan

Hi, A little over a month ago my father passed away unexpectedly. He was the co-signer of a couple of my student loans that I have with Navient. I havent missed a payment on any of my loans in 3-4 years at this point. I got a call yesterday from Navient alerting me that one of my loans that was co-signed by my father was referred to XXXX XXXX and that they were responsible for collecting the $ XXXX balance that was left. I talked to the woman that called from Navient and got the account information from her, logged onto my account and compared the information to what she was telling me. Come to find out that this loan she spoke of, was co-signed by my father and mother. This was after the lady on the phone was trying to tell me that I needed to apply with my mother as a co-signer or this loan could default if I didnt take action. My mother was already on there as a co-signer!!! They referred this loan to a debt collector when nothing was wrong!! My father passed away, but my mother is still around, and she is on the loan already. This has caused so much XXXX to my mother and I during this already tough situation. She has been dealing with an estate lawyer, and having to go to probate court, and now this unnecessary burden on top of things? This is completely uncalled for, and something that should not have happened. I am at risk of hurting my credit score for something completely out of my control. Something needs to be done about their terrible and unethical handling of this situation. This is out of control!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my annual credit report from Equifax by mailing the form on XX/XX/XXXX. On XX/XX/XXXX I received a letter saying I needed to post to them a load of identifying personal info to prove my Mailing and Current Address. Problem is despite my filling out the form as such and the fact that the mail reached me at my current address which is also my mailing address, they've decided that my former residence is my mailing address ( then why did you mail it to my actual address ). Halfway down the letter as they explain all the hoops they want me to jump through to get something that I'm legally entitled to they change it up by saying that my correct mailing address is my mailing address. So then which am I proving? I got the letter hence this is my mailing address, and I live here, pay taxes here, am registered to vote here, and all my credit lines reflect this as my address. Yet, apparently I need to prove I receive mail somewhere I don't to see my credit report? The whole exercise just seems blatantly designed to make them not need to follow the law and instead sell their credit reports as simpler to get. Luckily they've used my signing up for monitoring from their breach to bombard me with adds telling me to just pay them for the report, surely there's no gain for them sending contradictory and confusing letters to add hassle to the actually free option.
Product: Mortgage

On XX/XX/2021 I visited a Bank of America branch in XXXX Florida. I made two mortgage payments totaling {$3100.00} ( please see attached documents. ) The payments were for the month of XXXX and XX/XX/2021. The payment was in the form of a check in the amount of {$2700.00} and {$500.00} in cash. There was a residual amount of {$51.00} was credited to my checking account. I signed into my account XXXX days later and the payments had not been credited. I went back to bank and spoke the assistant manager who submitted a service request ( XXXX. ) She explained the payments were credited to my escrow account, the service request will reverse the payments and credit accordingly. Please see attached documents. As of XX/XX/2021, the payments gave yet to be applied and Bank if America has reported me as " delinquent '' in my credit report thus affecting my credit score in an adverse manner.
Product: Vehicle loan or lease

Usaa sent a repo agent to my work. Repo agent used his Rottweiler as a weapon to intimidate me. Dog was lunging and aggressively barking at me putting me in fear of my life.
Product: Credit reporting or other personal consumer reports

I mailed a certified letter to this debt collector on XX/XX/year> disputing an incorrect account reporting on my report. I asked for specific items to validate the account is mine and I have not received anything that validates this account is mine and that I am the rightful party that the debt belongs to. I also mailed a letter to all XXXX credit bureaus ( XXXX, XXXX XXXX XXXX ) on XX/XX/year> asking them to investigate this account for me & get back to me within XXXX days and I have not heard anything back from the debt collector nor the credit bureaus. I would like to have this account investigated and if the account can not be validated, I would appreciate it if it were deleted from my report as the law states it should.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. I SENT COPIES OF MY OFFICIAL POLICE REPORT AND DISPUTE LETTERS OF THESE ACCOUNTS BY CERTIFIED MAIL SEVERAL TIMES TO THE CREDIT REPORTING AGENCIES, HOWEVER THE ACCOUNTS ARE STILL REPORTING WITH NO DELETION OF THESE FRAUDULENT ACCOUNTS. ACCORDING TO THE FAIR CREDIT REPORTING ACT I HAVE RIGHTS UNDER 15 USC 1681 THAT HAVE BEEN VIOLATED. THESE ACCOUNTS LISTED BELOW HAVE VIOLATED THE FOLLOWING LAWS LISTED BELOW XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX - XXXX XXXX  # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  # XXXX 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 : states a consumer reporting agency can not furnish an account without my written instruction.

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, 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 or has reasonable cause to believe the information is inaccurate.
Product: Checking or savings account

I recently submitted a dispute request but it was believed that not enough information was provided in order to proceed with the dispute. I am resubmitting again with a few documents attached hoping the accounts on my consumer report can be deleted as of result of a proper investigation.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 rights 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, other than records of convictions of crimes which antedates the report by more than seven yrs.

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 card

I had a failure in one of my old HVAC units and I visited with the contractor who fixed it about getting a new system. When I did he told me they had a special 0 % financing for 36 months offer through Wells Fargo. I said that would be great let 's go ahead and do that. So the contact said well let 's see if you are approved for the 0 % financing. So we submitted information online to see if I would be approved fort he amount I needed to replace the units. I was not and that was the end of it. I told him to work on a way to get me approved for the whole amount or he would just have to wait till I saved my nickles to pay for the units outright. I thought everything was fine. A week later I received a credit card from Well 's Fargo for the amount I was approved for. I never knowingly agreed to open a credit card with Well 's Fargo and it is fraudulent for them to take my inquiry as authorization to open an account in my name. This practice needs to be outlawed and Well 's Fargo needs to be fined twice as much as they have made using this fraudulant and misleading new account sales technique.
Product: Credit card or prepaid card

On XXXX XXXX I filed a dispute over a {$120.00} transaction I didn't make. I was told at the time they would send me the necessary paperwork to file this dispute and if I returned it to them within 10 business days I would get a provisional credit for my use during the investigation. I also requested the statements for my account though I have their app downloaded for my use. USPS delivered them here on XX/XX/XXXX and I returned them via email on XX/XX/XXXX. On XX/XX/XXXX they attempted to deposit the money to a debit card that's not valid. My statement shows the credit and the debit they attempted. On XX/XX/XXXX they put the money back on my debit card shows as a reversal credit. On XX/XX/XXXX I think it was I attempted to pay my XXXX electric bill and my card declined as insufficient. At this time I called to check the transactions and found out that on XX/XX/XXXX they had taken the provisional credit back off m card .they called to find out what was the reason for taking the {$120.00} off the card without any warning or permission from me. Their fraud investigation person I spoke with told me they had made that deposit twice and were correcting their mistake and I had my water shut off and had borrow money to restore service at a {$50.00} reconnect fee 3 days later. On XX/XX/XXXX I received the statement I requested along with a letter from them stating the dispute was found in my favor and the provisional credit would remain as a permanent credit. To date I have still not received any portion of the {$120.00} reversal debit they did on XX/XX/XXXX. As result I am currently going hungry and so is my little dog. I'm XXXX XXXX and recently widowed. They should give me back my money it's I've robbed twice. I have pictures of all the things I've told you about. From the statements, the app I use. I sincerely thank you for any help. The SR number for my dispute with XXXX XXXX is XXXX. I don't know why my calls to XXXX XXXX say XXXX but my phone used to be locked to them. All I can figure out.
Product: Checking or savings account

Claimed there was suspicious activity on my account when there wasn't and didn't allow me access to my funds. Requested documents to restore my account that I didn't have access to.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX Syncronic Bank closed my Care Credit account because of inactivity they said they sended a letter advising about it, the letter never came this is a condominium where all addresses are the same only diferent is the unit number I call the bank because my XXXX XXXX app report MINUS-19pts there were not email, no call, nothing, I explained to them how many times I have to return to sender letters from my mail box because they are not mines -my score was almost XXXX XXXX and just because they did not try another way to get in touch with me they close my account and that droop my score to XXXX19 pts, I confirmed with them my address my email address my phone number everything is in order, so why they took a destinations like this?? the end of the conversation they said it's not their problem
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a few remarks on my credit report that is severely holding back my ability to be financially stable. I believe these accounts I have listed below are inaccurately reporting. According to my FCRA rights I have the right to dispute anything if I believe its inaccurate. I have listed the accounts and the issues i see with them below XXXX XXXX  XXXX False 30 day late pay reporting Date Last Active XXXX : XX/XX/2022 Transunion : XX/XX/2022 XXXX XXXX XXXXXXXX Account falsely reporting to transunion I have attached my ID and proof of address to get this resolved without any issues
Product: Mortgage

My Mortgage has been purchased by Shellpoint - Original mortgage holder was Specialized Loan Actually this mortgage has been purchased a few times.. 

Twice, a loan modification was executed and twice I was not notified of the pending loan modification or did I sign the required documentation.. 

Shellpoint 's answer was for me to file a police report against the person who committed the fraud, but the person is the mortgage company - Specialized Loan. This is not an acceptable solution from Shellpoint as the Mortgage Company is the perpetrator of the fraud.
Product: Credit reporting or other personal consumer reports

XXXX is showing a company known as CCMR3 to the be the originator of a loan I have which is inaccurate. Furthermore, the loan is in a forbearance so it should not be showing as in collections. I have opened several disputes with XXXX and I have contacted CCMR3 directly and no action has been taken as it relates to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

Late Payment XXXX - XXXX - {$670.00}
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. 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 that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX