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

15 U.S.C 1681 section 602 A. state have the rights to privacy. account : OFFICE OF ATTORNEY/ AMOUNT OWED:23,359 $ ACCOUNT XXXX 15 U.S.C 1681 section 604 a section 2 : it also states a consumer reporting agency can not funish 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 any other adverse items of information other then records of conviction of crimes which antedates the reports more then 7 years. 15 U.S.C 1681s-2 ( a ) ( 5 ) 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: Payday loan, title loan, or personal loan

I applied for a personal loan of $ XXXX  with Wells Fargo whom I'm in good standing with, I have a credit card with them which is now 95 % payoff with just a balance of {$200.00} with a credit limit of $ XXXX. In addition to that I have both checking and savings with Wells ; checking receives direct deposit from employment and savings has a small dollar amount of about $ XXXX. 

I initially got an approval pending income docs be upload which I have two jobs and I provided documentation for both and a credit score of about XXXX, this was XX/XX/XXXX. I then got an email stating that I was denied XX/XX/XXXX due to amounts owed on debit is too high ( I have a car note and a total of 3 credit cards with one paired completely off ) and they couldn't verify my income ( which I provided documents and I work for a XXXX XXXX  contracted through the XXXX XXXX XXXX and my other job is with the City of XXXX XXXX, MN both places easy to verify my income if docs submitted wasn't sufficient ) Wells Fargo has a rich history of denying people of color loans and this situation is no different.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions.

15 U.S.C 1681 section 602 A. States I have the right
Product: Credit card or prepaid card

My card was stolen and used I notify the credit card company as soon as I realized what it happened and we started the process it's been a back-and-forth but I have sent the filled out paperwork to them multiple times at this point in each time they come up with a different excuse why they can't help they have a legal obligation to investigate and remove the fraudulent charges from my account they have failed to do that in violation of the law
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I humble myself to make a request for deleted payment. I have been a loyal client and have over 50 credit account most of which were revolving accounts 40 plus of them. I humble myself to ask after making attempts in the past to have the company forgive my one or two max late payments. Im asking if you could intervene on my behalf.
Product: Debt collection

On XX/XX/2018 they say I entered XXXX XXXX XXXX but at that exact month I was XXXX this is not mines my father has same name as me I wasn't released until XX/XX/XXXX so how could I have entered the emergency room
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I submitted a dispute with XXXX  to remove all 10 fraudulent inquiries from my credit report they have failed to protect my consumer rights and remove the fraudulent accounts after submitting proof of identity theft they have failed and violated the consumer penal code XXXX have also failed to remove the fraudulent account ( credence resource management ) after I have sent in proof of identity theft which should be remove immediately from my credit report EQUIFAX HAVE NOT REMOVED within 4 business days which is a violation of the consumer penal code the accounts below are fraudulent XXXXXXXX XXXX XXXX XXXX XXXX XXXX  which are also fraudulent If these are not removed I and my attorney will file a legal suit and seek {$700000.00} in damages
Product: Credit card or prepaid card

Hi CFPB staff, I opened a credit card at BECU and transferred a balance onto it. I scheduled regular payment unknowingly a day later than they were due. As a result, I received 7 late payment reports ( rather than 1 with 6 on-time payments ) beginning when I missed the first payment. BECU refused to correct the mistaken late payment reports to the credit agency and my score suffers ( and will continue to suffer for another number of years ) as a result.
Product: Credit reporting or other personal consumer reports

I need your help investigating accounts from companies that have inaccurately reported late payments. After reviewing my credit report, I found certain accounts showing late payments that should not be there. There should be no late payment remarks on these accounts. Please remove these remarks and update the accounts to reflect a positive status as agreed.
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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 informationisinaccurate. 
Please remove these Inquiries from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is inaccurately furnishing information to Transunion and XXXX who are reporting onto my consumer report. This is causing me significant damages as I have repeatefly tried to get this information updated to reflect properly. 

Last Verified : XX/XX/XXXX -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX Account Rating : Paid -- Closed Last Payment : XX/XX/XXXX XX/XX/XXXX 15 U.S. Code 1692j - Furnishing certain deceptive forms U.S. Code ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.
Product: Checking or savings account

I am with well fargo. And i have be hit woth 8 overdraft fees this month alone. 35 dollars each, i am a US veteran and my payment for my gi bill and books had came in 11 days late. This caused a multiple of small transaction such as XXXX, XXXX etc. I had contacted wells fargo and tried to explain what happened to see if they could reverse some of the fees and they only credited me XXXX dollars. This caused me to nnot pay my rent and i am still negative XXXX dollars
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair credit reporting act. the following creditors has violated my rights15 USC1681. section 602 states I have the right to privacy. 15 USC 1681 section 604 a section states that a consumer reporting agency can not furnish any account without my written instruction to consent, nUnder 15 USC1666b a creditor may not treat a late as late for any purpose payment on an account XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Ive sent numerous of certified letters to agencies asking of removal of all inaccurate information according to 15 USC 1681, USC151681sec 604, 15 USC 1666b.
Product: Vehicle loan or lease

XXXX XXXX was repossessed after late payments due to XXXXORONA. I am a small business owner who saw a 90 % decrease in sales and my income starting in XX/XX/XXXX and well into XXXX. Ford did not allow me a lower rate or hold on payments they repossessed the car and left me with no car to get to my work, and reported late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX has a 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 710. XXXX has me at a score around 592. 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 and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit reporting or other personal consumer reports

Equifax has engaged in fraudulent credit reporting, obstruction of justice, racketeering ( RICO violations ), and financial misconduct, severely impacting my financial standing. Despite multiple disputes, Equifax has failed to correct inaccuracies, re-aged debts unlawfully, and manipulated credit data to misrepresent my financial history, all while engaging in insider trading and market manipulation. 

On XX/XX/XXXX, Equifax XXXX XXXX XXXX and other executives sold over {$5.00} XXXX in company stock, coinciding with the filing of an arbitration case that exposed systematic consumer fraud and financial misrepresentation. This suggests insider trading and an attempt to profit before regulatory action could expose their wrongdoing. This pattern of fraudulent behavior is a violation of the Racketeer Influenced and Corrupt Organizations Act ( RICO ), 18 U.S.C. 1962, as it constitutes a coordinated financial crime scheme benefiting Equifax executives while harming consumers.

Equifax has : Re-aged debts beyond the legal limit to keep negative items active.

Failed to investigate disputes properly, violating the Fair Credit Reporting Act ( FCRA ).

Obstructed justice by modifying consumer credit reports after disputes/arbitration were filed.

Colluded with other credit bureaus and debt collectors to manipulate credit scores and lending data.

Engaged in securities fraud by misleading investors while executives profited from stock sales.

Operated as a criminal enterprise under RICO by using deceptive business practices to systematically defraud consumers and investors.

As a result, I have suffered financial harm, emotional distress, and damage to my creditworthiness, including : Denied mortgage and loan opportunities.

Increased interest rates due to fraudulent reporting.

Restricted access to dispute my credit file.

Long-term damage to my financial future caused by Equifaxs willful misconduct.
Product: Debt collection

Medicredit keeps leaving voicemails about an attempt to collect on a debt. I have never received any correspondence regarding a debt. When they leave a voicemail and it's time to state who they're calling, my name is never mentioned. In fact, there's a brief pause and then the person proceeds to say that they're trying to collect on a debt. How am I supposed to know WHOSE debt this is if you never mention who you're trying to speak to. How am I supposed to know WHAT the debt is in regards to if I've never received as much as a letter in the mail. From all I've gathered, it could be a scam call. If I owe any debts to this company, I need to see something in writing. Recorded voicemails that don't state who they're trying to contact is unacceptable.
Product: Credit reporting or other personal consumer reports

This account is validated as mine However, this account incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. Please delete this account for violation because date last of active has been illegally re-aged and shows three different dates across XXXX, XXXX, XXXX. Please remove this account because the creditor failed to notify consumer of dispute and did not update that they actually performed and investigation. Please remove this account immediately This account is incorrectly reporting that I still owe a balance. On my XXXX report from XX/XX/XXXX the balance due on this account is {$0.00}. XXXX REPORTED ACCOUNT MEETS FCRA REQUIREMENT EVENTHOUGH CHARGE OFF HAS A BALANCEXXXX XXXX has lates on a charge off account. XXXX HAS LATES ON A CHARGE OFF ACCOUNT PLEASE REMOVE THESE ACCOUNTS THIS ACCOUNT HAS BEEN ILLEGALLY REAGED AND THE BALANCE HAS CHANGED FROM XXXX TO XXXX WHEN THE BALANCE SHOULD BE XXXX IF ITS A CHAGRE OFF ACCOUNT. THE CREDITOR REPORTED XXXX BALANCE FOR XXXX AND XXXX  IN XX/XX/XXXX THEN UPDATED THE BALANCE TO XXXX AND IS damaging MY SCORE AFTER I ALREADY DISPUTED THIS ACCOUNT AND REQUEST THE BALANCE TO BE XXXX XXXX FAILED TO UPDATE THE STATUS OF THE investigation ON XX/XX/XXXX XXXX CONTINUED TO REPORT COLLECTIONS EVERY MONTH SINCE XX/XX/XXXX ON MY REPORT ADN REAGED, MY ACCOUNT ILLEGALLY
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX  Balance : {$29.00} XXXX XXXX XXXX  XXXX Balance : {$12000.00}
Product: Money transfer, virtual currency, or money service

this happen on the XXXX exchange website binance.us on XX/XX/XXXX, I am trying to send a 2000 dollars deposit from my bank account to my binance account. 
I connect my chase account via ACH, and proceed. a minute after, I receive an email from finance stating : Your ( XXXX XXXX deposit order ( Order ID : XXXX, XXXX USD ) failed. 
Unfortunately, our system was not able to process your deposit at this time. Please try again later. 

so I take note on that and decide to send my money from my bank account to another XXXX exchange ( Coinbase ) and then send some crypto to binance. 

yet on XX/XX/XXXX, I see that bianance still proceeded and took my {$2000.00} out of my account putting me a negative balance since I already sent to Coinbase {$1000.00} after binance told me it failed.

so I dispute the charge with my bank to be able to have money on my account and because Binance emailed me saying that the transfer didn't work.

I couldn't even put back my money from Coinbase because there's a waiting period before to be able to take the money back. 

on XX/XX/XXXX, Binance email me saying that I have an outstanding balance of 2000 dollars and that I need to make a deposit to get my account back. 

the only problem is that they disabled the deposit option, so I have no way of sending them the money. I have cryptocurrencies on the account that I could change in USD as well to pay the balance but they locked my trading capability as well! 
so now not only that I can not pay them, but I have no way of trading my money and could potentially lose thousands. all because of their incompetence! 

I have been emailing them everyday ever since XX/XX/XXXX without them ever replying back. I do not have access to my money when the solution is so simple here 's the ticket number which is basically the case number for the request I made # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX Balance : {$1000.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXX XXXX  WASHINGTON, DC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$2900.00}
Product: Checking or savings account

Ally Bank uses misleading language regarding wires on their website to avoid committing to sending same day wires. They say that wires need to be " reviewed '' by XXXX to be sent same day instead of " received. '' There is no other guidance on when to send in your wire to get it out same day, so the implication is that XXXX is the cutoff to request a wire. You don't know that your wire won't be sent until it doesn't go through. They do this, so they don't have to acknowledge that they don't send same day wires. It might not be fraud, but its intentionally vague. I'm sure many people have had issues with large our payments due to this language, for example home purchases.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

After my home was destroyed, I sent a large check to U S Bank Home Mortgage to pay off my mortgage, and asked them to return the remainder to me asap. After paying off the mortgage and after the check had cleared the bank, U S Bank Home Mortgage still insisted on holding the remainder of my money for three more weeks. There was never an escrow account with them, and I can see no reason for them not to return the money to me in a timely manner. The only answer I can get from them is ... .that is their " policy ''. The destroyed home needs to be bulldozed and rebuilt. That is three more weeks for a dangerous structure to stand and attract mice etc. The neighbors need to be considered too. If there was a reason other than " policy '', perhaps I could understand, but there does n't seem to be. There has never been a late payment or any problem caused by me for U S Bank Home Mortgage.
Product: Money transfer, virtual currency, or money service

I needed to pay {$4200.00} to a landlord for security deposit and first month 's rent. The payment was to be made through XXXX. 

I bank with U.S. Bank and I logged into online banking and went to make the payment by XXXX. I got an error message saying that my daily limit was {$3500.00}. 

So then I sent XXXX payments of {$2100.00} each. Both were deducted from my checking account. The first payment was sent on XX/XX/XXXX at XXXX XXXX. This payment was received immediately. In my online banking the status for this payment is " paid. '' On XX/XX/XXXX I sent the second payment of {$2100.00}. This was sent at XXXX XXXX. This payment was not received by the recipient, same recipient as the previous day. In my online banking the status for this payment is " sent. '' The intended recipient alerted me the next day, XX/XX/XXXX, that he had not received the payment, and I have been trying since then to get this money back. I have called the bank at least a dozen times. On XXXX a bank customer service rep told me that she could see that the second payment was never delivered. 

In the meantime, I put in a claim with U.S. Bank on XX/XX/XXXX. Through a letter dated XX/XX/XXXX the bank 's digital claims services department notified me that my claim was denied. When I heard on XXXX that the customer service rep could see the second payment was never delivered, my only possible explanation was that the claims department was superficial in reviewing this issue and/or only looked at the first payment that was actually delivered. 

I am exhausted by the effort I have been making to get U.S. Bank to return my money. I am hoping the CFPB can help.
Product: Checking or savings account

I was trying to dispute certain charges that kept appearing on my bank account from unknown sources and I explained to the bank that did not make these charges and I kept going into the negative and the bank closed my account