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

Dear Consumer Financial Protection Bureau, I am submitting a formal complaint regarding the suspension of my business account by Wise, which occurred due to a miscommunication related to an address update. This suspension has caused significant disruptions to my business operations, and I request the CFPB 's assistance in resolving this matter promptly. 

Details of the Issue : Date of Initial Contact ( XX/XX/2024 ) : I contacted the bank after being informed that I needed to update my trading address in their system. After updating the address as instructed by their customer service representative, I was assured that " all should be fine. '' Date of Account Suspension Notice ( XX/XX/2024 ) : I received an email from the bank stating that my account had been suspended because the updated address did not meet their requirements. 
Follow-Up XXXX ( XX/XX/2024 ) : I contacted the bank again to resolve the issue. I was advised to update my address a second time, which I did. When I requested reactivation of my account, I was told it would take XXXX working daysa delay that is unacceptable given the impact on my business. I was instructed to call back on Monday. 
Escalation Attempt ( XX/XX/2024 ) : I called again today to escalate the issue, but I was informed that there is no escalation process. Instead, I was told that the complaints team would contact me within XXXX hours. This delay is also unacceptable, especially since I followed the bank 's advice throughout this process. 
My Concerns : Failure of XXXX XXXX : I relied on the banks assurance that the address change was completed successfully. If there were any issues, the bank had a responsibility to communicate those requirements clearly during the initial conversation. 
Unjustified Account Suspension : The suspension of my account was carried out without any further notice or opportunity to rectify the situation, leading to significant financial disruption. This action contradicts the bank 's duty to act fairly and transparently. 
Severe Impact on XXXX Operations : The suspension has caused all incoming payments to be returned to the senders, disrupting my cash flow and leaving me unable to meet financial obligations, including payments to my contractors. This situation is putting my business and livelihood at risk. 
Requested Resolution : I am requesting the CFPB 's assistance in ensuring that my account is reactivated immediately. Additionally, I seek compensation for any financial losses incurred due to the bank 's miscommunication and the resulting account suspension. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the unresolved issue of fraudulent items on my credit report and financial accounts. Despite my multiple attempts to rectify this situation, these fraudulent items remain unaddressed, causing me substantial distress and financial harm. 

I would like to provide a brief overview of my efforts to address this matter : I first became aware of fraudulent items on my credit report and financial accounts. I immediately took steps to report the fraudulent activity to the relevant authorities and my financial institutions. 

Subsequently, I made multiple attempts to dispute these fraudulent items with the credit reporting agencies and provided all the necessary documentation to support my claims. I have also been in regular communication with the customer service departments of the financial institutions involved. 

Despite my commitment to resolving this matter, the fraudulent items continue to appear on my credit report and have not been adequately addressed by the credit reporting agencies or the financial institutions. 

This ongoing issue has caused me significant stress and financial hardship. I trusted that, as a victim of fraud, I would receive timely assistance and support from the relevant parties. 

I kindly request that you take immediate action to thoroughly investigate and remove these fraudulent items from my credit report and financial accounts. Furthermore, I ask for a written response outlining the steps your organization will take to resolve this matter and prevent future occurrences of fraud. 

I am aware of my rights under the Fair Credit Reporting Act and other applicable laws, and I will not hesitate to take legal action to protect my rights and interests if this issue remains unresolved. I am asking for your assistance to remove the following fraud items in my credit report : 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 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 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: Credit reporting or other personal consumer reports

Account doesnt belong to me XXXX XXXX account number : XXXXXXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

XXXX continues to report my student loan information after several attempts at getting them to do things correctly. XXXX is in violation of The Family Educational Rights and Privacy Act ( FERPA ) This is a federal law enacted in 1974 that protects the privacy of student education records. Transaction history being reported on my consumer report is a violation of this act. FERPA applies to any public or private elementary, secondary, or post-secondary school. Transaction history being reported on my consumer report is also a violation of the privacy act of 1974 Additionally there are several erroneous entries on every account listed as Fed Loan Servicing, a total of 10 accounts, is showing payments as current, but the last payment received was on XXXX XXXX on accounts closed on XXXX XXXX
Product: Debt collection

This " company '' has now called my co-worker 's number 5 times in a row, within 2 minutes, and have left messages sharing information such as " they have a complaint against me '' on a voicemail that is not mine. This is AFTER they were already told to stop contacting me or my place of business, and to send written verification of a valid claim/debt against me. This has now become harassment. I searched and it appears it may be Global Recovery Systems? They also use a fake number with my area code to try to trick me into answering.
Product: Credit card or prepaid card

On XX/XX/XXXXI purchased airline tickets to fly on XX/XX/XXXX with XXXX XXXX for {$810.00} using my Chase credit card. On XX/XX/XXXX I went ahead and disputed {$61.00} for a billing error made by the merchant. A few months went by and I called Chase to find out what 's happening with the dispute. I was informed that the merchant had not yet contacted Chase. I was advised by the representative to close down the dispute in order not to risk the tickets being canceled and to reopen post travel. I was assured this wo n't be an issue. On XX/XX/XXXX XXXX XXXX declared bankruptcy and canceled all future flights mine inclusive. On XX/XX/XXXX I contacted Chase to dispute the charge in full and I provided full documentation supporting the claim. My case was closed for no reason and reopened twice with Chase not providing any information for the reasoning of this not being dealt with. The last time the case was reopened was on XX/XX/XXXX. Today XX/XX/XXXX I was informed by Chase that my claim had been closed permanently on XX/XX/XXXX this time explaining that to much time went by since the purchase was made and I will be held accountable for the full amount of {$810.00}. Please can you help me with this as it 's highly unjust for me to have to pay this sum in vain as I never received any services or goods. The dispute case number is : XXXX.
Product: Debt collection

XXXX XXXX XXXX sold a debt and is attempting to collect money from a debt that is not owed by me and was placed in my name fraudulently. The company that contacted me about this debt is named Shepard Outsourcing. This attempt to collect was after I requested that XXXX delete the fraudulent account from my credit report. In my initial complaint I also provided documentation to prove that I was a victim of identity fraud. I believe XXXX XXXX XXXX placed the debt with Shepard Outsourcing intentionally and maliciously since they can not collect any debts due to fraud. They have violated my rights by selling a debt or having another company attempt to collect a debt on their behalf that has been included in a FTC report.
Product: Vehicle loan or lease

The lender repossessed my vehicle on XX/XX/2018 causing severe damage to the vehicle by the towing company they hired to perform the repo. The " aggressive '' towing practices of the repossession placed excessive force on rear steering parts vital to safe driving, which caused those parts to brake. A claim was filed with the lender which they refused to investigate. The lender has not provided any written explanation as to why they denied the claim or if they indeed performed an investigation. The repair shop that car was held at was never contacted by the lender as part of their investigation. 

The vehicle was inoperable for over two weeks because I lacked the funds to cover the repairs. My warranty company would not cover the parts because they claimed " excessive force '' caused the parts to malfunction. The tech at the repair shop also suspected that a " towing company was the probable cause '' of the damage. 

This has placed an overwhelming amount of financial pressure on my family considering I did not have a way of reliably getting to work, in addition to coming up with the funds to pay for the repairs out of pocket. 

The lender sent me a letter stating I have not contacted them regarding the matter which I responded to because I've reached out to them several times via phone and email. See attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquires I dont recognize or did not authorize! 
Capital One XX/XX/2021. 
XXXX XXXX XXXX  XX/XX/2021. 
XXXX XXXX XX/XX/2021. 
Capital One Auto Finance XX/XX/2021.
Product: Credit card or prepaid card

Charge for XX/XX/, traveling from XXXX to XXXX then XXXX to XXXX, XXXX cancelled these flights about 3 hours in the middle of the night before me, my sister, and my mom were to take the flight. This flight never happened, but this charge still exists. I called Capital One Travel to get this fixed several times, and the last time the lady on the other end was supposed to get back to me. She never did, and the charge still exists even though the service/flight never happened. 

XXXXCapital One won't simply refund a charge that happened for nothing. XXXX won't do anything because it was done through Capital One XXXX, and Capital One XXXX literally doesn't know what's going on and needs to call XXXX to find a solution?
Product: Debt collection

{$700.00} was sent to me through paypal by a real person who I met physically. He then tells paypal his card and phone was stolen a week later and files unauthorized use. Paypal debits the {$700.00} from my account resulting in a negative balance and a debt on its way to collections if I do not pay it. I have already submitted a payment to the collector who called me on their behalf. I should not be held responsible for a person trying to take advantage of the protection in place for people who actually lose their things. He is obviously lying and he did send me the money I watched him do it. My credit score is important to me I can not have this debt go to collections nor can I fully afford to pay such an unexpected amount in the 120 days which as I am typing its down to 80 or so left. Paypal refuses to help me and sides with the buyer/sender. I am unable to fight or respond to this in any form. He was able to open a case and have it closed in his favor with no defense allowed on my behalf in any form. I asked is there anything I can do they said no, and I owe paypal the money in question. This is ridiculous, I have done research and many others like myself have lost way more money due to people doing this to them in this exact same way. They make a purchase from you or send you money then turn around and say they did not do it. Then your stuck owing money to the company they used to to send said money. In this case its paypal. They will not help me I need some form of help. They even have in their fine print any problems you have with us they'll hire their own lawyer/arbitrator and you'll be billed for it and im sure he or she finds in their favor. How can they be allowed to do business like this and we the consumers lose no matter what and can not even do anything to defend ourselves?
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out my identity had been compromised because my wallet was stolen from the movie theater. I didn't take the proper measures afterward. I just got a duplicate driver 's license and a copy of my social security. Several years later I'm receiving letters after letters of several unpaid accounts that I have never open. I then started to investigate and pulled my credit to check what all had been open. There are way too many fraudulent accounts open that I am near familiar with. These accounts are not mine. Please remove them. 

DEPTEDXXXX  XXXX {$9300.00} DEPTEDXXXX XXXXXXXX {$3600.00} XXXX XXXX XXXX {$500.00XXXX XXXX   XXXX {$430.00} DEPTEDXXXX   XXXX {$9500.00} US DEPT ED XXXX {$6000.00} XXXX XXXX   XXXX {$450.00} XXXX XXXX XXXX {$10000.00}
Product: Credit card or prepaid card

XX/XX/2020 I got a membership to XXXX store. I never got the credit card. I just found out that the card was sent back to XXXX because I moved. The place where I moved to do not have a close XXXX. I never had or used the XXXX card, According to XXXX all my correspondence was return back to them. They have the return mail documented in their system. I found out that I have late fees on my credit files because they charged me for automatic membership which I did not agree to when I open the account. I tried to get XXXX to remove the renewal fees from my account but they said they cant unless I have the card number which I NEVER GOT so as a result they will not remove the fee until I can give them an account number. The representative was from a foreign country and not understanding of what I told them about the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

so today i have finally viewed my consumer report for the first time in years and i have noticed so many fraudulent and negative information on my report that i have no idea even existed on my report. i never initiated any of these credit transactions. i would really like these things to be removed because i dont have a clue as to who put these things there. 
Inquiries from XXXX XXXXXXXX ( multiple ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my birthday is incorrect which should be XX/XX/1999 my only address is XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX XXXX do not work for XXXX My name is XXXX XXXX XXXX needs to be removed also
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

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

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


I told XXXX, Transunion, and XXXX to reinvestigate these accounts 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 XXXXowever, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

My AMEX card was registered with XXXX to cover monthly payments for XXXX XXXX and one other subscription. Monthly charges for the last 3 years averaged less than {$20.00}. On XX/XX/2024 a third party gained access to my XXXX account and attempted to charge {$4800.00} for computer hardware on the account. The charge was declined by AMEX. I was not informed by either XXXX or Amex of the charge attempt. On XX/XX/2024 a third party charged {$2000.00} on the account for computer hardware. This charge was allowed by AMEX notwithstanding the prior fraudulent attempt, the amount was far in excess of my monthly average and the delivery address was in a different city from my billing, business or home address. The ordered hardware was shipped and XXXX delivery records show the actual delivery to be other than either of my registered addresses. 

AMEX has refused to acknowledge this as fraud and has debited my account for the full amount of {$2000.00} for a product I did not order or receive. XXXX will not review the matter since the product was shipped.
Product: Student loan

Navient says that I can lower my payment from {$300.00} to {$25.00} per month based off of the Income Based Repayment Plan however, when I go to the Federal Student Aid and, talk to the people there, they say that I dont have any loans so, I can not do the income based repayment. I have been going round and round with Navient but, they will not help.
Product: Debt collection

XXXX XXXX is attempting to collect {$XXXX} through William and Fudge Inc. Collection agency and has fraudulently and erroneously reported a collection of {$XXXX} as owed for educational services never rendered or provided. I was notified of acceptance into XXXXXXXX XXXX 's program and informed the school in ample time that I was unable to complete their educational program due to XXXX illness and unemployment as a result of XXXX. However, XXXXXXXX XXXX continued to ignore my notification to the required parties and is fraudulently trying to collect {$XXXX} plus additional fees and interest for a service that was never provided and has reported a collection on all XXXX  credit bureaus for a debt never owed in violation of the Fair Credit Reporting Act despite notification of my withdrawal from their program and no receipt of any educational services as claimed by XXXX XXXX Despite notification that this debt was erroneously charged XXXX XXXX has ignored my notifications and seeking to a collect a debt that is not owed. Additionally, this collection is adversely affecting my credit and impacting my ability to secure affordable housing and other financial assistance.
Product: Debt collection

I have no idea who Contract Callers Inc is and they just charged my identity {$500.00} illegally. I checked my credit report using the XXXX XXXX app and I couldn't believe that I had a derogatory mark because I cleared all negative items from my credit report last year. I checked the negative item and it was an unfamiliar entity charging me {$500.00} which damaged my credit score by XXXX points and added unforeseen restrictions to myself, my family, and my household. I didn't give away my rights to preservation of consumer claims via any contract or agreement so a ) there should not be any reports placed on my credit profile and b ) there should not be an unknown entity shopping for my personal information and credentials whatsoever. This company has unlawfully acquired my credit extention and has illegally charged me repeatedly for the past 10 months while I was unaware.
Product: Debt collection

I have not supplied proof under the doctrine of estopper by silence, Engelhardt v Gravens ( mo ) 281 SW 715, 719 1 Presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist
Product: Credit reporting or other personal consumer reports

Second notice of complaint and lawsuit and opportunity to cure. 

remove accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2021, I sent a certified letter to the creditor in which this complaint is about ; asking for a debt to be validated. On XX/XX/2021 I received a response that wasn't directly addressed to my concerns. The bill I received failed to list all the information that I asked in order to validate this debt that's said to be mine. The time frames listed on the bill are passed the Alabama 's statute of limitations for debt collecting. According to the FCRA, a company isn't allowed to report a debt that has not been validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase. XX/XX/2022. 
XXXX XXXX XXXX, XX/XX/2022. I called both companies to let them know.