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

According to my research about FCRA 605, credit bureau are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$4100.00} ; XXXX XXXX Balance : {$7900.00} ; XXXX XXXX XXXXXXXX Balance : {$7700.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$3100.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$5600.00} ; XXXX XXXX XXXXXXXX XXXX XXXX {$3500.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I finished a job for a client in the amount of {$270.00} the square company put my payment on hold. since I use them to accept debit card payments and within 4 hours I got a email saying my account was deactivated and I had to wait 90 days to get my money. With all this they restricted access and I cant call or chat with them regarding the issue so I sent a email to them and they havent got back I believe this to be fraudulent as they are holding my hard earned money I worked for- for 90 days plus my account was deactivated without any explanation
Product: Credit reporting, credit repair services, or other personal consumer reports

Sagestream LLC refuses to release a copy of my report so I can address the inaccuracies within.
Product: Student loan

I have  XXXX  private student loans wi th Navient. I  ca n't make the payment amount that they request per month. I need to be able to pay about {$400.00} per month for those  XXXX  loans, but they will not do that. They have ruined my credit and my co-signers credit. I have been going through sickness that past couple of years but they have been no help. I have called them several times and each time they offer me different terms and payment arrangements through the company. I just need to lower my payments please help me. Also the interest rate on those loans keeps on changing every year and it goes higher and higher. I will never manage to pay those loans off.
Product: Checking or savings account

Marcus has locked my savings account and won't disclose anything for 1-2 days.

I opened a new account at XXXX XXXX  on XX/XX/2021 and initiated ACH transfer from XXXX app to transfer over all my funds ( about {$6400.00} ) from my Marcus savings account. On XX/XX/2021, XXXX informed me that they had to cancel the transfer because Marcus refused, and asked me to try initiating the transfer from Marcus app. 

So on XX/XX/2021, I initiated ACH transfer from Marcus app. Marcus gave me a call at XXXX XXXX  ET, but I missed the call and later in the night found out that they just locked my account and funds. It says " temporarily locked ''. I called their customer care as soon as I could today on XX/XX/2021 at XXXX XXXX ET, and they said that they just had to verify that the XXXX account is owned by me before they could do anything, and to that end they had to put XXXX XXXX  on conference call along with me, but that XXXX XXXX 's customer care wasn't open at the time. So they asked me to call back after a few hours when XXXX was open, to proceed with the bank account verification process. 

I called back at XXXX XXXX  ET, went through the phone verification to prove that I was the Marcus account owner. They then put me on hold for a few minutes to go ahead and verify XXXX 's account, came back and bluntly told me that they'll get back to me in 1-2 days. When asked why would unlocking my account take 1-2 days, they refused to give any information and said that they can not disclose anything to me at this time. 

So how is a financial institution allowed to do this? They're locking up my funds and are saying that they can't disclose anything despite me having proven that I was the owner right at the beginning of the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Experian numerous times since I was made aware about fraudulent accounts on my credit report but the company continues to report fraudulent accounts. I have sumitted an FTC Identity Theft Affadavit for these accounts but accounts still are reporting. These accounts need to be removed! 

1 ) XXXX  XXXX XXXX 2 ) XXXX/ XXXX  3 ) XXXX XXXX XXXX  4 ) XXXX   XXXX  5 ) XXXX XXXX
Product: Credit reporting or other personal consumer reports

On my credit report, I'm still seeing a balance of an account that I paid off on a Green Sky XXXX XXXX XXXX XXXX XXXX account. I paid off this account in XXXX last year, XXXX, but my credit report is still showing a balance of {$1300.00} out of {$7000.00} which is still showing under my credit utilization. I would like to have this permanently removed and would also like to be able to delete my banking and routing information from their system. I'm also still getting emails from them that I would like to be removed from.
Product: Credit reporting

I have disputed collection information reported by XXXX XXXX on behalf of XXXX. I have disputed the collection account XXXX with XXXX, XXXX, and Experian. I do not believe the investigation is properly being executed. It seems like the credit bureaus are working for the collection agency and agree with the electronic response received from XXXX XXXX on behalf of XXXX. The account remained on my credit report, but I do not have a reason why the account remain when XXXX shows I do not owe them and the balance was resolved. Transunion die not report XXXX XXXX on my credit report in XX/XX/XXXX, but soon as I disputed the item it was added to my credit report in XX/XX/XXXX and the investigation with XXXX XXXX has not been resolved.
Product: Debt or credit management

I contacted Wells Fargo on XX/XX/XXXX to file for hardship and lock transactions on an account with a large balance and high-interest feethe hardship plan fixed interest to 1 % and fee and set payment amounts per month. 

Wells Fargo agreed and locked the version with the payments set at XXXX amount ( $ XXXX XXXX XXXX ) All payments were made promptly and on time. 

XX/XX/XXXX Wells Fargo let the hardship plan expire, and the payments went to $ XXXX + {$310.00} XXXX XXXX XXXX XXXX  without notice effectively doubling the monthly payment plan to {$680.00}. 

XX/XX/XXXX Called WF to speak with a representative XXXXXXXX XXXX XXXXXXXX and was told that the plans expired and I was on a short-term plan. The agent stated there is a " long-term plan '' as well that I was not made aware of. 

I asked for any documentation showing the difference between the two plans and XXXX XXXX XXXX on a recorded line, stated there is no documentation only that there is a phone call where the agent would decide to place you on a short-term or long term plan. 

I enquired how to be put on the long-term plan, and XXXXXXXX XXXX XXXXXXXX stated I would have to wait 12 months to file for hardship again. The balance of the account would then with the new interest rate be ballooned back up to XXXX amounts. 

This is anti-consumer behavior. Wells Fargo will not produce any documentation on a recorded line stating there is no documentation, and it's up to an agent to decide which plan to place you in. If Wells Fargo can decide unilaterally which plan to put you on without notifying the consumer this is anti-consumer behavior and they can reinstate the plan. 

Again I have made all payments on time while on this plan 100 % in full and on time.
Product: Credit card

I have already filed complaints and are logged on your data base. 

My account was closed in error by PayPal after being loyal customer for over 10 years. To reopen, they reapplied via credit pull per inquiry but never received an adverse credit notice without my consent. I have not received anything and thier XXXX based " service '' is a gatekeeper of no use. 

Therefore, as my LOC remains closed after 10 years of perfect payment history I am requesting as a consumer at this juncture to go forward with whatever is a remedy for this deliberate refusal to follow the truth in lending and my rights as a XXXX American on XXXX that they are held accountable with recourse in my favor.
Product: Credit reporting or other personal consumer reports

CONCORD SERVICING LLC Date opened XX/XX/year>12 Balance {$890.00} Status Open I HAVE NOT BEEN SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE. XXXXXXXX XXXX XXXX ( MO ) XXXX XXXX, XXXX. I PRESUME THAT PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS According to 15 USC 1666b, you have violated my rights by unlawful communications. Please remove this from my credit report. Thank you.
Product: Debt collection

I have received a collection on my credit report from PORTFOLIO RECOVERY. To my surprise, they are reporting this account incorrectly as it is shown as being open as well but also show a balance in the amount of {$1400.00}. Please remove this account from my credit report immediately. Please provide me with a copy of my updated credit report with this removed off. Sincerely XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I hope this message finds you well. I am writing to bring to your attention the issue I am currently facing with my TransferWise account. When I attempted to log in recently, I received a message stating that my account has been deactivated. 
I value the services provided by TransferWise and have been a loyal customer for over a year. I understand that there may be reasons for account deactivation, and I would like to take this opportunity to rectify any issues that may have led to this decision. I submitted an appeal and this is what I got as a reply from wise. " Thanks for your email. Unfortunately, I cant see why we closed your account Customer Support cant see this information. We know this is frustrating. To claim any remaining money or appeal this decision, please go here and follow the steps : http : //wise.comXXXX  Once youve made your appeal, our team will be in touch with updates. Let us know if you have any other questions. Were happy to help. Best, XXXX XXXX Wise '' I kindly request you to review my account status because this is a mistake. Reason being that I havent made a duplicate account or unauthorized payment or uncompleted payment arising to this decisions. If there are any outstanding requirements or concerns that need to be addressed, I am more than willing to cooperate and provide any necessary documentation. I have being operating with my business account via wise legally registered under the Registeration in the United State Alabama. I got up a few week ago just to my surprise, logging into my account I was told its deactivated. I have other business services to transact with supplies and I wish you can look into this for me to reactivate my account for me respectfully as I am ensuring I dont violate any regulations by your noble firm. 

I assure you that I am committed to adhering to all the policies and guidelines set forth by TransferWise. I genuinely appreciate your prompt attention to this matter and your assistance in reactivating my account. 

Please do not hesitate to contact me at XXXX  if you require any further information from my end. I look forward to your positive response and the reinstatement of my account. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On Thursday XXXX XXXX at XXXX XXXX, I tried to ACH transfer money from my Bank America checking account XXXX, to my XXXX account which i have transferred money to before, it ells me that i have to call to transfer because of the amount of the transfer and keeps me on hold for over 20 minutes. However, if I am willing to use the wire method and pay Bank America {$30.00} to wire the money, it lets me do it without any delay or calling them. I am still on hold after 20 minutes and think that this is just a delay tactic to get me to pay {$30.00} for a wire transfer when it is not necessary.
Product: Debt collection

On XX/XX/2023 I wrote letters to multiply debt collectors Midland Credit Management, requesting the following information, Original contract with my web signature, Creditor information, name, address and phone number, payment history and itemized billing and proof of ownership. The collections agencies had 30 days to provide me with the requested information and failed to do so, therefore they should have removed the collection accounts from my credit report. Section 604 15 U.S.CODE 1681 B, Section 605A 15 U.S CODE 1681 C-1 and Section 605 B 15 U.S CODE 1681 C-2
Product: Payday loan, title loan, or personal loan

Good afternoon! I must say I am very frustrated with THESE COMPANIES. I have been trying to get a loan with THEM for years. Even when I had a XXXX to XXXX XXXX XXXX, I could never get loans with you. I have been wondering for many years that maybe it's just me and maybe it's my credit. I have been going years and years with disputing things off my credit and getting my credit as high as ever. I have done everything to try to make my credit manageable, and I have still BEEN turned down for a loan every time. So now we are gon na do things my way! Let me inform your company of some Laws protecting consumers. 

XXXX cfr part XXXX talks about the Equal Credit Opportunity Act. Consumers by law can not be denied credit. By law you all can not deny me credit transactions for any applications. Please see the screenshots below I am a CREDIT WORTHY APPLICANT. Individual accounts can not by law deny me credit. This is DISCRIMINATION. I have many adverse action letters even from when my credit was even in the mid XXXX  and I was still getting denied. So it makes me think who is responsible for this, the credit bureaus or your company.. Please refer to the other screenshot below. Adverse actions are illegal amongst consumers. Adverse action : ( ii ) does not include ( I ) information solely as to " transactions '' or experiences between the consumer and the person furnishing the information; or ( II ) information in a consumer report. These are transactions that I have applied for for years and I was turned down everytime. This is {$1000.00} per violation if I pursued this towards court. This is 15 u.s. 1681m. Please view that as your company has broken this law and has resulted in me being denied for credit over and over. My SSN is my credit card which has been unauthorized by your company, bureaus etc. So you all can make money off my ssn but I can't benefit from credit transactions which are illegal!! Loans, Mortgage, car notes etc are extensions of credit transactions! There is civil liability for violation of these laws! Please see 15 usc 1692k. I posted the screenshot below I have been denied credit from you for years and I refuse to be denied again. Please forward this to your manager or corporate and have them contact me immediately! I want a loan of {$50000.00} or higher. I deserve that amount for all the years of frustration your company has caused me!!! I also want to get some credit cards to improve my credit asap! Please don't make me go to higher authorities and take you to court like I may soon do with the credit bureaus. If I take you to court, I have consumer rights attorneys waiting for a case like this. Keep in mind, this is {$1000.00} per violation and I have years worth of denial letters from you so you do the math Thanks! XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian stated they did an investigation, but they did not properly validate, and did not properly validate within the time frame. I received a lot from XXXX of the companies listed, which is how I know they did not properly validate. XXXX of the other credit agencies did, and because of that, it was removed. 

I would like to know how they met the requirements in validating these. XXXX of the accounts listed, when contacting the originator is no longer in existence. 

The next step is a lawsuit for improper validation and fraudulent practices for the gain of the company, neglecting consumer rights for monetary gain.
Product: Credit card or prepaid card

XXXX  LIstings charged my card 3 times for {$450.00}. I cancelled with XXXX, they said they were in contact with CITIBANK to take the charges off my card. 
CITIBANK has put the charges back on and said I was responsible.
Product: Debt collection

Dear Sir/Madam, i : received the following message from CFPB, " Thank you for your complaint XXXX about XXXX XXXX XXXX XXXX XXXX. 
This complaint appears to be a duplicate of a complaint we've already processed for you. That complaint number is XXXX. This complaint is now closed. There will be no further action on this complaint. " This decision by CFPB is in clear error based on the following : 1. Complaint number XXXX was, inter alia, concerning, strangers to the transactions unlawful attempts to extort monies from me. 
2. However, Complaint No.XXXX about XXXX XXXX XXXX XXXX XXXX is about chapter XXXX trustee wiring my and estate monies of about $ XXXX, to unknown accounts, after i : had sold the subject property, 14 days after the close of escrow and when my objections to he proof of claim 6-1 as well as both the Debtor and my objections to the alleged arrearage of about {$450000.00} was on records. The key word is CLOSE OF ESCROW WHICH TOOK PLACE ON XX/XX/2016 WHILE THE ESTATE AND MY MONIES OF ABOUT $ XXXX WERE EMBEZZLED OUT OF THE ESCROW 14 DAYS AFTER THE CLOSE OF ESCROW. This is a criminal offense of embezzlement, Chapter XXXX trustee had no jurisdiction to embezzel my and the estate monies of about $ XXXX to anyone, 14 days after the close of escrow. 

Please recognize that the two complaints ARE NOT DUPLICATES and inform me accordingly. 
Thank you XXXX XXXX XXXX XXXX
Product: Checking or savings account

I'm a checking customer through PNC bank. PNC has made it impossible to use non-PNC banking products, like XXXX or XXXX, and has made it very difficult to use payment products like XXXX or XXXX XXXX. PNC doesn't offer comparable products ; and it makes it more difficult to send and receive payments, and also to use innovative financial products to save small amounts of money like XXXX or XXXX.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed that there was a couple of late payments showing on my credit report that I was never late for. The consumer reporting agency has assumed a viral role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been laid on the payments for the account that I have included, Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided l demand, these late payments be updated to paid as agreed on time as they should be due to the fact, I was never late. Thank you in advance!
Product: Credit reporting or other personal consumer reports

Full name requires correct input with software for proper database storage and name association with XXXX XXXX XXXXXXXX XXXX ( XXXX ) full name XXXX XXXX. abbreviation mandate was entered into system with excess characters to first name that is three characters and software autoformat unable to place space independently printed customer name error report in association to social security number. Account was not issued. Application pending.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 


-- AUTO LOAN OR LEASE 2. XXXX XXXX XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$220.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently noticed inaccurate date reported to my credit profile with XXXX XXXX XXXX. Ive disputed this account with all 3 creditors. XXXX  noticed the inaccuracies and deleted this account off my credit. I am asking of the CFBP to demand that both bureaus ( XXXX  and Equifax ) do the same and acknowledge these inaccuracies as XXXX  did and delete this account off of my Profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

My requests for proper verification and the removal of the bogus information on my credit reports have been disregarded despite the numerous written letters I have given to the three credit bureaux. I last wrote to the credit bureaux XXXX, Equifax, and XXXX on XX/XX/2022, but I never heard back from them. It is evident from a copy of my most recent credit report that the credit bureaux disregarded my requests. The Credit Bureaus violated FCRA section 605b, which requires them to erase any accounts and information that were created as a consequence of identity theft. I contacted the FTC and reported the theft of my identity. I also included copies of the FTC 's Identity theft report. The below described fraudulent items are still showing up on my credit record. I'm hoping you can assist me out and get these things eliminated as soon as you can. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX  I XXXX Balance {$500.00} XXXX  Inquired on XX/XX/2022 XXXX Inquired on XX/XX/2022 XXXX  Inquiry : XX/XX/2022 XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of fraudulent activity and requesting your assistance for resolution - I have been unsuccessful and have tried numerous times disputing this with US Dept of Education and now the credit bureaus. The US Dept of Education loans currently show XXXX balance and permanently assigned to government but the past derogatory marks remain. I did not attend college. I am not being treated fairly and is against Fair Debt Collection Practice Act. I am led to believe they have destroyed my credit intentionally.