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

We were on the process of buying a new home. The construction company XXXX XXXX XXXX XXXX sent our title agency company name on docusign and determined the closing date about two months ago. Two days later we received an email from the title agency which was a spoofed email that we were not aware of. That same email was sent to our realtor too. The spoofed email asked us to wire the deposit money early. This spoofed email knew the exact amount ( around {$180.00} ) with the pennies which matched the exact amount our loan officer had sent us by docusign. Since all the information was right, we didn't suspect. Therefore we did what we were told and wired the money to the given account number.Before the transaction, we called and informed our loan officer and our realtor for confirmation. The loan officer confirmed the number and then we called our bank ( XXXX XXXX ). We asked if the attached escrow account # belonged to the title company. The title company name on the escrow account was exactly the same. After that confirmation with our bank, we wired the money. On the other hand, XXXX XXXX changed the closing date three times. At the closing date we went to the title agency. We found out that we had wired the money to a dfferent account. We filed a wire fraud file with XXXX XXXX. The money was wired to US Bank in XXXX Arizona instead of XXXX XXXX account. We contacted XXXX XXXX XXXX department and they asked the US bank to give them info about that fraud acount and the money wired. They didn't feel any obligation to respond. We had consultation from two lawyers. We contacted local police department. They all pointed to XXXX. Then we filed XXXX form ( wire fraud form ) on XXXX  website and submitted it. We didn't receive any confirmation # from XXXX. When noone got back to us we made a call to FBI.We were told there wasn't a way to track our file. Unfortunately that wasn't any help at all. It's been two months that noone contacted us. We are left all alone. We could not buy a new home. We are now renting. We want to get our money back but don't know how to do it. There must be something that someone can do about it. Our loss is very big and changed our lives. We are seeking for your help. Please help us.
Product: Debt collection

JeffersonCapitalSystemsLLC has been harassing me regarding a debt purchased from XXXX XXXX pertaining to an early termination fee of {$100.00} over 2 years ago. Both companies have most recently listed the account as having been opened under the term " automated '' late last year on my credit report. This occurred after another collection agency had sent me an offer to reduce the amount owed if I agreed to pay in full. Jefferson Capital has made numerous inquiries into my credit, given incorrect information such as multiple case numbers, multiple company name variations and were listed as a seperate owner along with XXXX listing on my credit report. I have also received multiple calls on my cell phone which is on the national 'Do Not Call ' list. After being sent several collection orders lacking the original debt 's owner information and number a cease and desist letter was sent over a year ago via mail. I disputed XXXX early termination fee from the start and am tired of this situation.
Product: Bank account or service

Chase received a payment on our Chase Visa from a XXXX account that we have used to make payments for years.  The payment was returned as the XXXX Account was blocked when traveling XXXX.  Once the travel was completed XXXX unblocked the account in a day.  Chase has since processed payments from this account on other Chase Visa cards we have and deposits without issue.  However the particular Chase Visa account in question cannot be paid with the XXXX Checking account, because Chase has blocked payments from the XXXX account for Visa Chase Visa Card *******************
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with Experian.com on XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was a negative charge off my credit report. This was disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with this account listed below, so please help me remove this charge off account, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in these written request. Please help me resolve this issue as soon as possible. 
PLEASE DELETE THE FOLLOWING FRAUDULENT ITEM : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was affected by XXXX, XXXX XXXX XXXX closed my account and removed online access giving me no ability to pay the account while hospitalized. Upon my recovery, I was able to call ( my only remaining access to the account ) and resolved the delinquency. I attempted to resolve the matter with XXXX XXXX XXXX, who states they are reported the delinquency correctly and will take no further action. While I would have liked to have known when the onset of XXXX was to happen and contact the bank in advance as the CARES ACT suggest, this was not realistically possible. After the fact, although the matter is resolved, it would seem neither XXXX XXXX XXXX  or the 3 Credit Reporting Agencies will assist in resolving this matter, as a result, my FICO score has plummeted 50 points. The intent of the CARES ACT was to address situations like mine, but was not specific enough to compel either XXXX XXXX XXXX  or the 3 Reporting Bureaus to assist in resolving this issue so negatively impacting my credit. I took great care to attempt to resolve the matter by paying the delinquent balance caused by the bank who removed online access and by contacting the bank and the bureaus to dispute reporting only to hear they say it was accurate. While this may be true, the issue now resolved, was directly related to XXXX  and has had a dramatic negative impact on my credit score. The issue was caused by the bank removing online access to an account they closed because a check did not clear while I was hospitalized. Upon closure of the account they removed all access to the account except for mail or phone in the middle of the pandemic, a lack of empathy I will never understand. The credit reporting bureaus will do nothing about the issue except to report what XXXX XXXX reports. Leaving me unable to resolve the matter and experiencing a 50 point drop in my credit scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit and this collection was on it. The Compnay never sent me anything by mail, email etc. to give me a chance to verify ( challenge ) the debt was even valid. I called and spoke to the Compnay and received letter I have uploaded in the mail.

the latter was mailed from the Compnay and mailed to me like I type the letter. 
I asked XXXX XXXX for validation of debit and this is the letter I received.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, Ive disputed this so many times and nothing. This is inaccurate and need to be removed off my report.
Product: Checking or savings account

Bank of America immediately Stopped all communication when I gave them proof on there own letterhead of Breach of Fiduciary Duties, and Grand Larceny, they would not give me there bond, Insurance. they hung the phone up several times on Me. 
Not being accountable or responsible for their willful wrongdoing. This was done over 45 Times. They are a Holding Company with the name Bank attached. Operating in financial affairs. On going battle since XX/XX/XXXX. So I'm asking for CFPB to do that which is Right and Equitable. Enforced The Law XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have All Dates 121 pages.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon , Re : Barclaycard    XXXX   XXXX    XXXX   XXXX , DE,  XXXX  Act # ending in  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL,  XXXX  The account information reporting on all credit reports, is incorrect. My name is  XXXX   XXXX , and my sons name is  XXXX   XXXX   XXXX . Barclaycard has been reporting this account incorrectly. I 'm  XXXX   XXXX  not  XXXX   XXXX   XXXX . I have requested they delete this account from my credit report, and for the past year, I 've had no success. They keep replying with letters, advising information is correct. I kindly ask you to please help me remove this erroneous information off my credit reports, since this has now begun to affect me.     I thank you in advance, for all your help resolving this matter.      Kind  Regards,  XXXX   XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter to XXXX XXXX Synchrony bank in regards to a hardship that i was going through with my husband who sustained XXXX XXXX XXXXXXXX and was out of work. I wrote the letter and received an letter back stating they approved the hardship and that they will update my credit report and help me with my loan. About a week after i received a letter i got notification on my credit report the loan was charged off. How is this possible if I received a letter stating they approved my hardship that is completely fraudulent on synchrony to do this if they aren't going to honor the hardship. I couldn't even make a payment online because it states We Apologize We are currently experiencing technical difficulties and are unable to access your account. Please try again later. 

I sent a check directly and got a return to address well come to find out THEY SWITCHED LOCATIONS! So regardless of me trying to make any sort of payment I couldn't. I XXXX XXXX XXXX and have a XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am taking care of so I can't spend hours on the phone with a representative. WILL NEVER BANK WITH SYNCHRONY EVER!
Product: Credit reporting or other personal consumer reports

I am a victim and Survivor of XXXX XXXX XXXX, XXXX XXXX and XXXX in Persons. Please see all enclosed forms as Evidence according to Federal Regulations and remove all requested information from the consumer report. Thank you
Product: Credit reporting or other personal consumer reports

In accordance with fair reporting act AMSHER COLLECTION SERVICES 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 an account without my written instructions.

- 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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, credit repair services, or other personal consumer reports

Equifax does not allow me to place a credit freeze online. Instead refers me to a phone number where the agent says there is " not enough information '' on my credit file to place a freeze.
Product: Credit card or prepaid card

XX/XX/2018 unathoraized transaction was made for {$1200.00}. Meanwhile numerous attempt were to be made about refunding the money from XXXX XXXX XXXX but no answer.Dispute was filed to Wells Fargo claim department and evidence was sent on XX/XX/2018 information was unreadable so it was then faxed on XX/XX/2018 the evidence pertained the signature authorization form and the two emails sent by the company requesting signature on XX/XX/2018 proof that it was not signed. Well Fargo was  contacted and asked if the recieved fax and many of them stated yes. They also were asked if it was the evidence they needed a sufficient enough they stated yes as well. On XX/XX/2018 dispute was closed saying they did not recieve any information. They were called again and said the have enough evidence the money should be fine. However, on XX/XX/2018 another claim was the open for the same dispute. Wells Fargo claim department was then contacted again and they didn't know as to what was going then sated the couldn't win over the dispute. Asked again as to why, if proof was recieved and if needed to provide more evidence they continued to state they did not have evidence and left unanswered to other question asked and proceeded to end the call.
Product: Credit reporting or other personal consumer reports

My information was exposed during the recent data breach. I would like to dispute everything on my credit report.
Product: Student loan

I would like to file a complaint against Navient. I recently received mail that half of my loans were not included in my consolidation request due to reason 8. I XXXX XXXX XXXX, 2017 so my loans should not be in an in-school status. Navient knows this I have informed them multiple times. I previously applied for and was accepted into the PAYE plan which was then replaced by the REPAYE plan by navient. When I called to rectify I was told they were the same thing and would cost the same - This was a lie. The REPAYE plan will cost me more than {$150000.00} more in the long run. I was incorrectly told I could apply for auto pay and save .25 % only to be denied when completing the autopay application. I was told that I would be able to begin loan payments toward PSLF and PAYE only to find that loans in grace periods will continue to grow and will capitalize in 6 months without a consolidation. These are all practices which are unlawful and will cost me a significant amount of money. I am now waiting for a loan consolidation application which apparently will need to be redone now that they do n't have half the loans included. Every day I continue to grow interest which will capitalize to a larger amount the longer they give me the runaround. I tried to call today and was told due to a high school volume I need to schedule a call back in the future - this is unacceptable as everyday costs me money and every day that money goes to their profits instead of hiring more representatives to resolve these issues.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/year>, I fell victim to a multi-layered scam operation run by silkionpor.com which involved me making deposits for a total amount of XXXX USD from my USAA account to fraudulent investment firm ( s )
Product: Payday loan, title loan, or personal loan

Credible.com is advertising to me through XXXX for a 3.99 % APR Fixed Rate Personal Loan. This is nowhere near the actual rates on their website when you put in your information regardless of the information you use. Bait and switch tactics. I reached out to customer service and received boilerplate language. 

" We publish our lowest rates for the strongest financial candidate, although our pre-qualified rates will be based on your personal financial profile. '' When I mentioned that I am the best possible candidate XXXX Fico, Lowest possible DTI etc. etc. there was no answer.
Product: Checking or savings account

Chase force to closed all my accounts on last year and hold my funds since then, no further information giving but keep saying my money been investigated. Ive been struggling in life and still have to pay all my bills with chase and pay with extra interest fees on them because of the late payments on all my credit card and I wasnt having enough money. With chase I have past due on my credit cards over 4 months and I barely made a minimum payment last month but Ive had over paid on the interest and chase still have not send me any fund on my close checking account. My money is XXXX XXXX clear and I have no idea what are they doing with my money and holding for so long. And I got so disappointed with them for still having me to pay all the interest on my credit card that was ridiculous.
Product: Debt collection

This is my last warning to this company before I proceed with litigation. I had requested that midland credit management cease all communications as described in the Fair Debt Collection Practices Act. To date they are still communicating with me. In my last complaint, they stated that they are allowed to report to consumer reporting agencies and that the term communication only refers to direct communication. However this completely goes against the procedures that were clearly defined in the FDCPA which defines the word communication as " the conveying of information regarding a debt directly or indirectly to any person through any medium ''. Consumer reporting is an indirect medium that this agency has chosen to continue to communicate a debt. This clearly violates my cease and desist request. As mentioned previously, this is my last warning before I proceed with legal action.
Product: Debt collection

I had a levy placed on my account by Rausch Sturm for about {$2000.00}. {$21.00} of which was taken directly from my back account. I then was ordered to pay the full sum ( not minus the {$21.00} ) and did so because I didnt have any other options. So the account was paid in full and then some. However, Rausch Sturm again placed a levy on my account a couple weeks later. I contacted them about this 4 days ago when I noticed and still I have no viable response from them ( waiting for the manager ) and in the meantime I have no money to live on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to dispute the innacurrancy of the fraudulent bankrupcy on my credit file and experian won't dispute the item appearing this message : US BANKRUPTCY COURT PUER Other reason Submission Failedfailed icon You have previously disputed this item. We are not required to process a duplicative dispute. If you have new or different information relevant to your dispute, you can upload the documentation here. If the information is relevant, then a new dispute will be opened. You can also contact us at XXXX or contact the data furnisher of this information regarding your dispute. 

I have another innacurrancy on the account XXXX  with the same message : You have previously disputed this item. We are not required to process a duplicative dispute. If you have new or different information relevant to your dispute, you can upload the documentation here. If the information is relevant, then a new dispute will be opened. You can also contact us at XXXX or contact the data furnisher of this information regarding your dispute. This account have 30 days on XX/XX/2020 and on XX/XX/2020. I want this innacurrancy removed immetialy from my credit file.
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and noticed some fraudulent accounts on it along with hard inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) Pleas remove these fraudulent accounts and hard inquiries from my credit report they are hurting my ability to obtain credit.
Product: Debt collection

A company calling themselves " XXXX XXXX '' called me XX/XX/XXXX. They informed me my brother was contacted first, who gave them my phone number, because I was facing a court hearing for a Wells Fargo debt collection I had no idea of. They said they could not find my phone number or address to contact me first. They said I had a balance of {$360.00} to be collected from Wells Fargo, for a debt owed XX/XX/XXXX. I tried to get as much info as I could about them but in the liability release, their phone number is not listed. I can not find " XXXX XXXX '' online anywhere, except that it may be a scam. 

Although they say in the document the payment was for XX/XX/XXXX, the payment didn't show up until XX/XX/XXXX in my bank. The receiver of the payment is not listed as " XXXX XXXX '' but instead " XXXX XXXX XXXX ''. " XXXX XXXX XXXX '' is searchable online, but there is no company website, no company phone, and no other contact or informational sources about it.
Product: Credit reporting or other personal consumer reports

Letters sent in they claim they couldnt verify my identity on XX/XX/year> Accounts : XXXX XXXX XXXX  {$900.00} Reference number XXXX XXXX XXXX XXXX XXXXXXXX {$790.00} Reference number XXXXXXXX XXXX XXXX XXXX {$190.00} Reference number XXXX
Product: Credit card or prepaid card

Subject : Request for Immediate Update of Current Balance to Credit Bureaus Dear Revvi Credit Card Company, I hope this letter finds you well. I am writing to request your prompt assistance in updating the current balance on my Revvi credit card account to all three major credit bureaus : XXXX, XXXX, and XXXX. This request is of utmost importance to me as I am currently in the process of securing a loan, and having the most accurate and up-to-date credit information is crucial. 

I recently made a payment towards my Revvi credit card account, and I kindly ask that you take immediate action to report this payment to the aforementioned credit bureaus. It is my understanding that the credit bureaus update their records periodically, but I would greatly appreciate it if you could expedite this process given the time-sensitive nature of my loan application. 

Please find below the details pertaining to my Revvi credit card account : Account Holder Name : XXXX XXXX Account Number : XXXX Current Balance : XXXXXXXX  Date of Payment : XX/XX/XXXX  I understand that credit reporting is a standard procedure, and I am aware of the importance of accurate credit information. By updating the current balance promptly, you will not only assist me in securing my loan but also ensure the overall accuracy and reliability of my credit profile. 

If there are any additional forms or documentation required to facilitate this process, please do not hesitate to inform me. I am more than willing to provide any necessary information to expedite the update. 

I sincerely appreciate your attention to this matter and your commitment to customer satisfaction. I kindly request that you confirm in writing once the current balance has been reported to XXXX, XXXX, and XXXX. Your swift response and cooperation in this regard will be greatly appreciated. 

Thank you for your prompt attention to this matter. I look forward to a positive resolution and continued excellent service from Revvi Credit Card Company. 

Yours faithfully,
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian failed to send a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed in compliance with the FCRA ) in a timely & responsive manner & is in violation of federal regulations. 

Because Experian is in violation, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX must be removed from my credit file. 

Please send me an updated credit report with this information removed.