23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of edXXXX XXXX Dept of edXXXX XXXX Dept of edXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : 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

on XXXX I 've paid on time 100 % on the other they say am missing XXXX payment
Product: Checking or savings account

I had a CD with Citi Bank, when the CD ended the money was not returned. I have spoken with Citi, both online and in person, and they were unhelpful. They claimed to only have 1 account for me on file, an unrelated credit card account.
Product: Money transfer, virtual currency, or money service

I created an account on XXXX XX/XX/year> with WISE US INC in hope of transferring my salary back to my home country ( Transfer started on XXXX XX/XX/year> ). However, the process was never smooth. It was shown in the mobile applications of WISE that there is an XXXX amount of time that the transfer will take to go from my XXXX XXXX account to WISE account and they will remit the rest accordingly to the recipient account. The estimated timeline was never met on time and i have to consistently call the customer support but they can not do anything on their end. 

As a result, once i have finally managed to send over the funds to WISE account ( on XXXX XX/XX/year> ), WISE just deactivated my account without warning and my funds are literally gone together with the account deactivation. I tried to call the customer support and they can not escalate the matter to the appeal team and provide a resolution to my issue except to wait it out. 

I am in urgent need of the funds to be transferred and the amount totals XXXX USD.
Product: Credit reporting

The dispute stated unable to locate credit report. I received a credit report dispute letter stating the items I disputed was not on my file however, they are listed on the credit report I received on XX/XX/2016 : XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

I have been dealing with identity theft since XX/XX/XXXX, which has caused significant financial hardship. As a result, I struggled to make timely payments on my car loan, but I paid what I could when possible. The late payments were reported from XX/XX/XXXX to XX/XX/XXXX. Despite reaching out multiple times to my lender for assistance, the representatives were unhelpful and informed me that they would not assist in removing the late payments from my credit report. I provided proof of the identity theft, but they refused to take any action. Under the Fair Credit Reporting Act ( FCRA ), I understand I have the right to dispute inaccurate information on my credit report, and I am requesting your assistance in having the late payments, caused by identity theft, removed from my credit report.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights. 
15USC 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 a 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 purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm currently in XXXX XXXX XXXX on vacation. Today 's date is XXXX, XX/XX/2022. I was located at XXXX XXXX from XX/XX/XXXX to XX/XX/2022. 

XX/XX/2022, I paid off the balance on my credit card {$680.00}. XX/XX/XXXXXXXX XXXX XXXX charged my card for services. XX/XX/XXXX Experian XXXX XXXX took XXXX points away from my credit score MY CREDIT CARD IS DUE XX/XX/XXXX! 

I paid off my credit card on XX/XX/XXXX Experian XXXX XXXX had no legitimate reason to decrease my credit from XXXX to XXXX. My credit card payment is due on XX/XX/XXXX .... 

Please investigate this issue. 
XXXX. XX/XX/XXXX I paid off the balance on my credit card {$680.00} XXXX. XX/XX/XXXX Viva Safaris charged my card for services used a XXXX XXXX. XX/XX/XXXX Experian XXXX XXXX decreased my CREDIT SCORE from XXXX to XXXX XXXX. My payment is due XX/XX/2022 This business practice is discrimination against me! My credit card payment is due XX/XX/2022. There's no legitimate reason to DECREASE my credit score. I paid off my credit card on XX/XX/XXXX. 
XX/XX/XXXX my credit score was decrease by XXXX points! 

I have always paid each credit card off each month. Please investigate this matter Experian.. 

MY CREDIT SCORE SHOULD NOT HAVE BEEN DECREASED. I PAID OFF MY CREDIT CARD XX/XX/2022. 

My credit card is due XX/XX/2022 XXXX
Product: Credit reporting or other personal consumer reports

This is yet another request to inform you that I have been a victim of identity theft. Despite my previous notifications, it appears no action has been taken. I want to dispute specific records in my credit file that do not belong to me and that I have not authorized or signed any agreement for. The items I'm challenging are unrelated to any transactions I have made or authorized for products, services, or money. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$980.00} XXXX XXXXXXXX Balance Owed : {$6200.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX Balance Owed : {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Owed XXXX {$0.00}
Product: Checking or savings account

I opened a chime account and had money sent there and never got the card and they allowed someone to change my information, after fighting to get control of my account back I found out the money I had sent there was gone XXXX dollars I made a dispute and they returned XXXX dollars out of XXXX dollars and have refused to help me get the rest back, I have filed a police report and pressed charges and never used the virtual card they issue as I do not know how to use it or who accepts it it took me months to get my account back and get a real card activated to this account, I need help as I need this money for my medications and they keep closing my dispute in less then 24 hours obviously they do not care about someone stealing money sent to help me
Product: Debt collection

This third party company, Shellpoint Mortgage Servicing ( who took over debt collection for XXXX XXXX XXXX ) has been collecting an unverified debt from me for several months. They have begun auto-debiting my bank account in the amount of {$340.00}, which I have not authorized. In addition, I've paid the following in recent months : XXXX {$430.00} XXXX {$390.00} XXXX {$260.00} XXXX {$580.00} XXXX {$260.00} XXXX {$260.00} XXXX {$130.00} XXXX {$200.00} My Current Balance, according to this creditor is XXXX Additionally, more recently ( XXXX ), this company attempted to debit my account three separate times for upwards of {$400.00} each time. One of the three debits remained only after I called to complain about the prior two. The daily finance charges compounded in addition to the monthly finance charges on this account balance seem unusual and predatory. 

XXXX XXXX XXXX XXXX living off of only my social security check. I'm unable to pay my monthly bills with a company like this skimming money from me. I'm also not tech savvy and feel I'm being taken advantage of. I can't recall with whom the original loan was held or verify whether this company has any rights to claim this debt and seek payments from me. The account has changed hands so many times I no longer know who I've been paying or why!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has an account on my credit that is not mine.
Product: Credit reporting or other personal consumer reports

I received a letter in the mail stating, " ... the nature of your request... was illegible ''.

Obviously, this is impossible, since the complaint was transmitted through CFOB electronically.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX is in violation of my consumer rights as of XX/XX/2022. By using dishonest deceptive and cohersive credit reporting, a new law/rule has been put in place by the CFPB that alleged medical debt tradelines {$500.00} and below and no longer reporting on consumer reports. Currently XXXX XXXX XXXX is reporting 5 medical accounts listed below. I have reached out via US Postal Mail in regard to the inaccurate reporting accounts. Per the new CFPB rules, you MUST DELETE MEDICAL DEBT BELOW {$500.00} onXXXX but failed to do so. Violations include : XXXX XXXX XXXX XXXX. 

PLEASE DELETE ALL ACOUNTS : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

XXXX XXXX XXXX XXXX lied to students about many different issues. Most importantly putting us in the job market. Ive been paying on my Navient Loans for years now when I went to refinance recently, they told me I couldnt because my school no longer exist. XXXX XXXX XXXX XXXX misled its students.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is about the XXXX credit reporting agencies ( XXXX, Experian, and XXXX ). One financial institution pulled my credit from all XXXX agencies at the same time for the same credit but it's reflecting on my report as XXXX different hard pulls which is negatively affecting my credit. I have XXXX inquiries on my credit, XXXX of them are creating triple inquiries. Information in the credit report that isn't disputable is affecting the XXXX XXXX, XXXX states " insufficient length of credit history '', I've had a mortgage for the last 5 years and have an auto loan that has a XXXX XXXX XXXX  and I'm XXXX XXXX  into it. Experian and XXXX have similar statements " lack of recent insallment info ''. While each of these agencies allows you to dispute the information from the reporting creditor, there isn't a place to dispute the scoring method information they provide which isn't accurate.
Product: Credit reporting or other personal consumer reports

I asked Experian to remove items that are excluded by law as per the FCRA 15 USC 1681a 2Ai. 

I have attached the letter I sent to them.
Product: Credit card or prepaid card

I am not letting this claim go. Bank of America is not addressing the legal action I took in order to get this FRAUDULENT charge reversed and I will not stop this process until it is reversed. Also, I filed a complaint with the Washington State Attorney General 's office. Please see the previous TWO complaints I have already submitted. Also, the phone number of the person " helping '' me resolve this claim is unreachable per the phone number and extension she provides. 

XXXX XXXX Resolution Specialist Regulatory Complaint Department Bank of America XXXX, XXXX XXXX I will keep filing these complaints until my concerns are addressed.
Product: Credit reporting or other personal consumer reports

I'm not sure when these accounts were added to my credit reports but I noticed a couple weeks ago its been years since Ive applied for any credit. I've faced a few financial difficulties over the last few years and I reached my limit with savings. I have to get a line of credit or a loan of some kind to help me through this post Pandemic and high inflation time I'm in. I always check my reports before applying for any kind of credit or loans because Ive been surprised in the past with what was reporting on my credit reports. Here we are again with sooo many accounts not belonging to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please reach out to XXXX, Equifax and XXXX on my behalf because all of these accounts show on what they're reporting in some way.
Product: Credit reporting or other personal consumer reports

Nelnet corporation ( student loan servicer ) as reported on my consumer report that I was late 13 times under the law this is illegal. 

Under section 1681 fair reporting credit act ; ( 2 ) 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 ; ACCT XXXX TOTALS {$13000.00} -- - ( XXXX ) LATE PAYMENTS ACCT XXXX TOTALS {$9100.00} -- -- - ( XXXX ) LATE PAYMENTS ACCT XXXX. TOTALS {$4400.00} -- -- ( XXXX ) LATE PAYMENTS ACCT XXXX. TOTALS {$9400.00} -- -- ( XXXX ) LATE PAYMENTS
Product: Credit card or prepaid card

I use XXXX bill pay service. On XX/XX/XXXX I mistakenly made a payment to my old, expired XXXX XXXX XXXX XXXX card issued by Comenity Bank through XXXX 's bill pay system. The amount of the payment was {$3700.00}. The card number on that account is XXXX XXXX XXXX XXXX. The card expired in XX/XX/XXXX. 

I have contacted XXXX on several occasions and were told that they have no ability to search old accounts and suggested I ask XXXX to file a dispute against them to get my payment sent back to XXXX. I filed a dispute and after XXXX plus months, XXXX has been unable to retrieve my payment from XXXX. XXXX also told me that I had no way of contacting directly their dispute center... very odd I thought. 

XXXX has verified that XXXX did receive the electronic payment from my bank account on XX/XX/XXXX. The Comenity folks told me that the payment should have bounced back to XXXX since the XXXX account was no longer valid but that has not occurred. Any help at this point would be greatly appreciated. My Truist checking account number from which the payment was sent is XXXX. My address at the time we had the XXXX  card in XXXX was : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( we have since moved to XXXX, XXXX ) Please let me know if you require any further information. Thanks in advance for the help!
Product: Credit reporting or other personal consumer reports

XXXX is reporting a closed account the creditor is AFFIRM for the amount of {$100.00} since XX/XX/XXXX ' I reached out to the creditor throughout the year and they couldn't confirm the debt nor have me their system. Therefore I disputed this closed account with a XXXX advising them I reached out to them personally and they'e stating they couldn't locate me their system. How I have find it funny XXXX will always come back with their investigation with " Verified '' with no proof for me the consumer! 
I then took the initiative to do my investigation and found the XXXX party that the debt was sold to, by the name of XXXX! The debt has been paid in full as of XX/XX/year>. I then called AFFIRM to let know how poor of reporting to the credit bureaus and this debt has been paid in full and delete from my CREDIT REPORT ASAP. They said I needed to reach out to XXXX to remove it. I filed the a dispute XXXX XXXXXXXX last week detailed XXXX and as of today XXXX they state " REMAINS '' the company which AFFIRM states it '' XXXX accurate! How is that when I spoke with someone from AFFIRM notfifying them the debt was paid in full they confirmed it also by the XXXX XXXX XXXX on that same day! This is illegal and both parties XXXX and AFFIRM to do whats right for the consumer! I will attached my proof paid debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

ID THEFT HIPPA, CRA INACCURATE INFORMATION AFFIDAVIT OF FACT
Product: Mortgage

Wells Fargo Home Mortgage continues to commit lender fraud. I have called them out on it. I have shown them proof of it. They continue to deny and hide it. I have requested guidelines for modifications. I have been continually denied a copy of this. I have requested a copy of a phone call to the company on XX/XX/XXXX. I have also been denied this. I have been lied to and I have been given multiple reasons as to why they will not help us with our mortgage. I have corrected and proven them wrong on all of these reasons. I have looked up the HAMP rules and know that when we started the process for a loan modification, we were 100 % eligible under HAMP guidelines for a HAMP tier II modification. Wells Fargo purposely took their time on reviewing us, and continually lied to us about eligibility knowing that the program was ending on XX/XX/XXXX. My husband had a XXXX on XX/XX/XXXX. I have been trying since XX/XX/XXXX to get the HAMP tier II ( months before the program ended ). Then in XXXX of XX/XX/XXXXthe new reason given for denial was that the program ended. We are beyond frustrated. Then just yesterday XX/XX/XXXX upon researching laws in my state. ( Utah ). I was supposed to be served with a supbeana of my foreclosure along with a timeline to respond with the court. I never ever received such a document. The way I found out that my home was up for sale at auction was on a website. This is absolutely unfair. Wells Fargo has already been fined for acts like this, yet they continue to practice them, and obviously continue to get away with it. Please stop them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX have had issues with a debt collector agency named Wakefield and Associates. They alleged that I have debts and delinquent accounts however I dispute those allegations. To the best of my knowledge I do not owe any form of debt to their firm of any kind. Wakefield and Associates have not properly notified of said accounts. I have never received any documents itemizing details such as accurate dates, times, agencies owed originally, nor service rendered. They are unable to provide any form of any alleged original contract nor the name of the original creditor. Whenever I attempt to dispute this particular debt collector agency Wakefield and Associates illigitimately edit monetary amounts that allegations claim that I owe. They are illegally attempting to use my credit report as hostage by use of negatory marks without basis. This company has an extensive history of being disputed due to predatory collection tactics. The firm has failed to provide any form of verified detailed contract of such debt. No notice of debt has been issued at any point in time, I am lead to believe that the statute of limitations has lawfully passed in order to continue any form of debt collection as well as negatory marks on my credit report. I do not to the best of my truthful knowledge owe Wakefield and Associates any alleged debts and believe they are attempting to practice collections and reporting outside of lawful statutes in an attempt to collect ineligible assets as well as incorrectly attempting use my credit report to place negative reputation against my financial reliability.
Product: Credit card

American Express owes me {$340.00} in statement credit for their XXXX XXXX XXXX promotion on the Amex XXXX XXXX. I've been enrolled in this promotion since XX/XX/XXXX ( proven by an email from Amex dated XX/XX/XXXX ). The promotion states that up to {$20.00} a month will be reimbursed for XXXX XXXX XXXX  subscriptions. I am still missing statement credit from XX/XX/XXXX - XX/XX/XXXX ( {$20.00} XXXX XXXX  months = {$180.00} ) and XX/XX/XXXX - XX/XX/XXXX ( {$14.00} XXXX XXXX months + {$20.00} for double sub = {$160.00} ). I initially informed Amex about these missing statement credits as well as XXXX missing statement credits from XX/XX/XXXX - XX/XX/XXXX ( which have been remediated ). It's been almost XXXX weeks since the initial notification and there appears to be mishandling of the case, causing significant delays of resolution and requiring repeated contacts with Amex. 

XX/XX/XXXX - Enrolled in XXXX XXXX XXXX for American Express XXXX XXXX XX/XX/XXXX - Notified Amex Customer Support over Online Chat of missing XXXX XXXX statement credits across XXXX, XXXX, and XXXX. 

XX/XX/XXXX - Contacted Amex Customer Support Online Chat to get status of investigation and missing credit remediation. XXXX representative stated that investigation was concluded and missing credits would be remediated XX/XX/XXXX - XXXX Amex Customer Support Online Chat to get status of investigation and missing credit remediation. XXXX representative says case was resolved on XX/XX/XXXX and remediation will be performed in another XXXX days XX/XX/XXXX - Contacted Amex XXXX by phone to get status of investigation and missing credit remediation. XXXX representative says that case ( XXXX  XXXX ) was improperly closed and that there was no apparent progress on remediation. XXXX representative escalated to XXXX lead for remediation. 

XX/XX/XXXX - XXXX months of missing statement credit ( total {$120.00} ) was applied to my account. 

XX/XX/XXXX - Contacted Amex XXXX by phone to get status of case and to notify that I was still missing {$360.00} of statement credit. XXXX XXXX applied XXXX extra {$20.00} credit to address the XXXX months of missing credit in XXXX. XXXX stated that missing credit from XXXX - XXXX would require additional investigation since their system tracked my promotion enrollment date as XX/XX/XXXX rather than XX/XX/XXXX. 

XX/XX/XXXX - Contacted Amex XXXX by phone to get status of case. XXXX rep stated that previous cases were closed and remediated and that there was no currently open case even though I had informed the previous rep of still missing credits. XXXX XXXX opened new case ( XXXX XXXXXXXX ) to investigate missing credit for XXXX and XXXX statements specifically.