23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I.am file this compliant base these three factor : ( 1 ) excellent credit Rating. ( 2. ) execptional. ( ( XXXX. ) exceptional. ( 3 ) trustworthiness, and qualify to obtain I could not believe this is the position that my bank was taking. and me as a value customer. I was denial asamll business credit. my nwife apply for this same card on or XXXX XXXX and apply again XXXX/XXXX/XXXX and was still declined a card. the factor was excessive credit reporting agency inquire. I belief its a rigged system against small XXXX XXXX business who want to build there company with bank. now apply for the card in my name and I only have XXXX inquire on my credit reporting agency. so it appear that I have good credit but still was I belief these or the fact : as follow : I belief and feel here is unfair, treatment to be denial any XXXX credit who is trustworthiness. and have excellent credit rating. let be clear here I have relationship with these bank and I all way pay my bill on time over the amoun of the above payment that schedule. never missed any payment to first national bank. some XXXX need to review my credit history its very strong.my XXXX said that credit usage 23 % and well qualify and trustworthiness. and that is the base for issues credit to custom er I have on XXXX inquire on my file and XXXX is FNB.they pull my credit back on XXXX/XXXX/XXXX and granting the card. now they are denial me credit. it clear something is wrong with this picture because on or XXXX Reference Letter # XXXX XXXX XXXX Thank you for apply for the commercial credit card. we are unable to offer you credit on the terms that you requited because that offer has expired. please contact the financial institution you received your application from to re-apply. the question. would be is why? XXXX XXXX XXXX business have to fight so hard just to get credit and then they to me is although we were unable to fulfill your request at this time we think you for aplply. we are trying to build new south lease company credit with this bank, Reasons why I belief we should be grant credit. XXXX XXXX XXXX no excessive credit report agency inquire. XXXX. XXXX excellent credit. ( XXXX ). XXXX scores ' XXXX XXXX XXXX Never missed any payment all waymy bill on time make payment above credit payment all way pay down balance and for this bank to denial me credit. I am ask the bank to approve my request thank you. is this all because of my age why? make me understand we pay our bill on time
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because i was a victim of the Equifax data breach. I want all items deleted from my credit report effective immeditialy.I am attaching proof that Equifax admitted i was in fact a victim of this data breach and Equifax has done nothing in return.Please help me delete these illegal accounts from my credit report My life has been going down hill since my information was stolen and i havent been able to get back on track since.Listed below is names of account that affected my credit and been apart of the stolen identity.

Equifax Engament number is XXXX affected accounts due to stolen identity XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/year> : I sent about {$1600.00} to WISE US VIRTAUL ACCOUNT. This was to add money in my WISE account. 

So this transaction should have been : Me -- XXXX XXXXXXXX XXXX -- > US WISE BANK ( Virtual account ) -- -> WISE MY Bank But then, for some reasons ( they insist I didn't write down my personal number ), Wise failed to recognize the money I sent. It was belong to me, but because of failure in recognition Wise rejected to add my money in WISE MY BANK. 

They said they rejected the transaction. 
I do understand they rejected to tap in but, rejection doesn't mean I get refunded. Because when they rejected, the money I sent is back to US WISE BANK and stuck there. 

From US Wise bank to my XXXX XXXX it can not be automatically sent as US Wise bank was virtual account. Wise should take back money in their account and put in my XXXXXXXX XXXX information for the completion of refund. 

While I proved everything that shows I didn't receive any refund, and ask for them to prove the proof that their US WISE bank send to my XXXXXXXX XXXX, they just showed me that they rejected the transaction from my wise bank to us wise bank, which never means refund. 

I explained this several times after thorough review with XXXX XXXX XXXX but wise doesn't refund at all. So I decided to file a complaint.
Product: Credit card or prepaid card

I was on vacation on XX/XX/XXXX and in a grocery store getting groceries. I pulled out what I thought was my bank debt card to pay for the groceries and to get {$100.00}, I accidentally used my Walmart Mastercard card and didn't realize it till after I made the transaction and the store said they couldn't cancel the transaction. When I returned home I made sure to pay more than my minimum due of {$170.00}, and actually made a {$1000.00} payment on XX/XX/XXXX ( 5 days after the accidental withdrawal ) so the extra would pay the higher interest cash advance fee on the Walmart card, and all other money I charged during my vacation. The higher interest and a {$2.00} fee keeps showing up on my statement for both statements following the accidental charge. I messaged Walmart on XX/XX/XXXX via my online account bill pay with them, the replied that I'd have to call or chat online to get the problem resolved. I chatted online with a customer rep and called via the phone tonight, XX/XX/XXXX, and was told by both that I must pay off my entire balance of {$5300.00} before they will stop charging me extra for the {$100.00} cash advance. Please assist me in resolving this issue with the Walmart Visa. Thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax is reporting an account incorrectly. The account listed as DEPT OF ED Account Number XX/XX/XXXXXXXX the account has several late payments that is incorrect. The late payments are listed from XXXX 2018. This is incorrect and I was never late. How is Equifax verifying this information. I have repeatedly asked for the method of verification from their investigation. Equifax has not sent any information to me that proves that did a reasonable investigation. The law is clear that this information has to be provided.

602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a concerning issue regarding my credit with your institution. Upon reviewing my records, I discovered several files and accounts that do not belong to me. This discovery leads me to believe that my identity may have been compromised. According to section 605b of the Fair Credit Reporting Act ( FCRA ), it is mandated by law that any items found to be opened due to identity theft must be promptly removed from my credit report. As such, I am formally requesting the removal of these erroneous items from my credit report.

Furthermore, I want to emphasize the importance of your compliance with the FCRA regulations. If there is any possibility that these disputed items belong to me, I insist on receiving all documentation that bears my signature. According to my research, it is your responsibility to verify with 100 % accuracy that each item is true, accurate, correct, complete, and verifiable.

I trust that you will handle this matter promptly and in accordance with the law. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$4400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : XXXX XXXX XXXX XXXX Balance Owed : {$4400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

the details are in the letter already please have time to review it cause i took time writing it as well. and i lost my SS card so i wasn't able to send you a copy of it but i ordered a new one as well it just may take time to arrived
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 the Experian, XXXX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, 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. 

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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



XXXX XXXX XXXX XXXX XXXX -- IDENTITY THEFT XXXX # XXXX IDENTITY THEFT XXXX XXXX # XXXX -- IDENTITY THEFT TBOM/VT # XXXX IDENTITY THEFT XXXX XXXX XXXX # XXXX -- IDENTITY THEFT XXXX # XXXX IDENTITY THEFT XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX -- IDENTITY THEFT XXXX XXXX XXXX # XXXX -- IDENTITY THEFT XXXX XXXX # XXXX IDENTITY THEFT XXXX XXXX # XXXX -- IDENTITY THEFT XXXX # XXXX -- IDENTITY THEFT XXXX XXXX XXXX # XXXX -- IDENTITY THEFT XXXX # XXXX -- IDENTITY THEFT XXXX # XXXX -- IDENTITY THEFT XXXX XXXX XXXX # XXXX -- IDENTITY THEFT XXXX # XXXX -- IDENTITY THEFT XXXX  # XXXX XXXX XXXX THEFT 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several fraudulent accounts reported under my credit profile. I am submitting this request in accordance with the Fair Credit Reporting Act ( FCRA ) and would like these accounts removed promptly. As a survivor of XXXX XXXX my identity and personal information were compromised, leading to the unauthorized opening and reporting of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts were opened or reported without my knowledge or consent, violating my rights under the FCRA. Specifically : 15 U.S.C. 1681 Section 602 ( a ) This ensures my right to privacy and accurate reporting.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) Consumer reporting agencies can not furnish accounts without my explicit consent. 
To support my dispute, I have attached the following documents : A personal statement detailing my XXXX  situation. 
Additional records, where applicable, to verify my identity and substantiate my claim. 
I request your immediate review and removal of these accounts from my credit profile. Please confirm receipt of this dispute and inform me of any additional steps or documentation required. 

Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

Credit card is supposed to give 1.5 % back on all purchases which is not happening. I called on this problem and they will not help me. I tried going online with no success. Representatives are rude. Also, voicemail menu is extremely difficult to navigate. It has trouble responding to any identifying words you use and often times brings you to the wrong department after waiting on hold. Representatives are unhelpful and almost all the time do not resolve or properly explain what the problem is and how to solve it. All of the time they act like they do not understand the problem no matter how detailed and articulate you explain yourself. Getting a manager on the phone or corporate is basically impossible.
Product: Credit reporting or other personal consumer reports

I opened an account with XXXX in XXXX XXXX in the months that followed, I had some serious medical issues that caused me to miss payments. I called to return the vehicle, and several months later, it was repossessed. XXXX noted the account as closed XX/XX/XXXX. Spring of XXXX, the U.S. Dept of Justice notified me that my personal information had been breached. I also received similar notices from XXXX, and other financial institutions of attempts/alert of suspicious activity. During that process of freezing accounts, I realized that XXXX had noted the account as closed but for the past years, had documented the credit bureaus as closed but reporting a balance due. It appears that the write off had been reported to IRS but had not provided the required Form XXXX. Accordingly, XXXX did not provide the letter of closure for the account that is essentially, a debt cancellation the IRS expects for debts that exceed {$600.00} or more. XXXX never provided the letter or the Form1099-c. Additionally, XXXX did not XXXX the accurate information to the consumer reporting agencies. After requesting copies of my reports, I now find that XXXX XXXX  has change the account closed dates from XX/XX/XXXX to XX/XX/XXXX for XXXX bureaus, and XX/XX/XXXX for another. XXXX XXXX  has failed to comply with the requirements of accurate reporting, and failure to comply with the statues of IRS reporting. Whether it's a matter of negligence in their accounting or outright fraud, there is a clear violation of the FCRA and the IRS prevailing laws and regulations. The issue is accuracy in reporting. I also recognize that I have a measure of responsibility, but I have been comprised by XXXX because the failure of my reporting the amount of the write off should have been reported to the IRS as ordinary income. XXXX XXXX  knowingly placed me in violation of the laws. 
I want all information deleted from my files with all reporting agencies. I have provided written statements of my concerns to XXXX XXXX  and the credit bureaus. XXXX XXXX  has responded by simply changing the dates for the account closing to give the impression that their actions are recent and delete the fact that closure was documented by XXXX XXXX  in XXXX,
Product: Student loan

In 2006 Navient advised us to do a spousal consolidation. Since then we are inelgible for any government programs like the PSLF program despite the fact that one spouse has over 10 years in Public service. And we were unable to receive covid relief. There are absolutely zero options for us due to the spousal consolidation. There needs to be a dispute process or reconsolidation process available. We are struggling, we've earned forgivness of these loans and we're told " tough luck ''. It's inequitable and unfair. 

On top of that Navient consistently incorrectly reports on our credit and refuses to offer any support for this spousal consolidation that they pushed us into. Young, stupid and fresh out of college, there was zero communication about the ramifications of these loans.
Product: Mortgage

We signed an agreement to assume and modify our mortgage through XXXX. Two days prior to finalization with them they sold it to Shellpoint Mortgage. They were supposed to adhere to everything agreed to by XXXX and us. Removing my ex-husband from the loan and placing me there since we had a Quit Claim deed, the amount of repayment and monthly payments were also supposed to stay the same. However, they replaced my name with my ex 's and raised the original agreement amount from {$2500.00} to {$2200.00} in XXXX then {$2500.00} in XXXX and raised it again in XXXX to {$2600.00}. This is getting a little ridiculous. They keep taking on fees and interest that should n't be there stating we are a month behind when I have never missed a payment. Please help
Product: Debt collection

I pulled up my credit report and show a debt owed to XXXX XXXX XXXX, when I contacted them I was instantly told I was being transferred to a supervisor since I didn't not want to disclose my full ssn, once someone picked up I briefly spoke to a XXXX that advised this was a debt from XXXX XXXX which I show on my credit was charged off on XX/XX/XXXX, but XXXX is showing them I owe as of XX/XX/XXXX. I have never received any phone calls nor letters from XXXX nor was I aware of them until today XX/XX/XXXX. when I spoke to XXXX she informed this was being handled my a specialist and I needed to be transferred at that time I held until the phone hung up. I do not see how this company ( XXXX XXXX ) can report a debt onto my account that I am unware of and also without contacting me to try and verify this debt.
Product: Checking or savings account

Hi, I applied for three new U.S. passports on XX/XX/2022. I applied for XXXX adult and XXXX minor passport at the XXXX location ( XXXX XXXX XXXX XXXX, XXXX, WA XXXX, XXXX XXXXXXXX XXXX XXXX ). For the adult passport, the mode of payment is made through a check, and the minor passport payment is made with a money order ( serial no. XXXX ). 

I was supposed to be charged {$260.00} on my debit card ( which includes a minor passport fee + passport card+ XXXX passport pictures for the XXXX passports + XXXX x XXXX execution fee ), and the fee for XXXX adult passports is paid by check from my husband 's account, XXXX XXXX XXXX attached those statements ). 

Unfortunately, during the payment processing, the acceptance facility 's system got hung, and the associate had to execute the same payment twice, thinking the first payment didn't go through. But during this, my checking account got charged twice for {$260.00} using the debit card. 

I didn't notice the charge right away. When I noticed I thought the payment would be reversed on its own, as one person can not be charged twice for the same serial number of money order for the same transaction. 

I contacted Chase Bank, and they rejected the request since it was an authorized transaction at the facility for the passport. After repeated trials with the Bank, I am communicated that the USPS facility has done the transaction in a cash-back form, so they can not file this claim.

The USPS back-and-forth reply " Unfortunately, We can not initiate any refund on our end after this long and have no access to transactions past 1 week. You need to dispute the charges with your bank. They have access and the ability to research and refund the funds as necessary. Please share our contact info with them if they request it. '' I am contacting you so that the amount above can be refunded. I have all the documents with me. Please let me know what needs to be done next. 

This is so much of a hassle and a XXXX box for a customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are four accounts being reported incorrectly on my credit report, the first account is XXXX XXXX XXXX, the second account is XXXX XXXX, the third account is XXXX/XXXX XXXX XXXX, the fourth account is XXXX XXXX. Please delete the accounts.