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

I summited a complaint on XX/XX/ about some improper information reporting in my credit report. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below including my personal information. 
Correct Personal information : Full Name : XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, OH XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate.

And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. Also I uploaded my a picture of my DL and the credit report showing the inaccuracies.

**List Accounts Must be REMOVED** 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

On XX/XX/year> Factual Data ( finance ) pulled credit report fraudulently. This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting XXXX XXXX account as on time in XX/XX/2019, then in XX/XX/2019 they are reporting 90 day late. How is it possible to go from on time and the next month 90 days late. Experian is required to report only accurate information.
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. 
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. 


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

Equifax mishandled my personal data, and I was listed as a potential victim of their data breach from the security website they set up : www.equifaxsecurity2017.com/ This kind of gross negligence is absolutely staggering, and their response to the breach so far has been poor at best. I am now at a huge risk of identity fraud, and will be for years to come following this incident. 

Equifax waited weeks to inform the public that they could potentially be compromised, all while their executives were allowed to sell millions of dollars of stock. 

I want my data protected, and I want Equifax held accountable. A resolution to this situation needs to be swift and comprehensive.
Product: Money transfer, virtual currency, or money service

SUMMARY : On XX/XX/2022 my Wise.com [ Wise US Inc., XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX Compliance, phone XXXX ] account got hacked. Multiple unauthorized transactions were made to destinations outside the US amounting to US {$21000.00}. This is what I found out when I finally reached Wise in XXXX XXXX on XX/XX/2022. On XX/XX/2022 at XXXX pm I received an email with an Account Closure notification which triggered off my activities to contact Wise.

In the Wise terms and conditions they are committing to immediately send an email notification for each and every transaction being made online to review and make you aware of any fraud. This did not happen. Wise also has my phone number on file. They never called me. This is very poor Cyber Security service. 

I relentlessly contacted Wise by email, phone and certified mail explaining what happened and requesting a refund. Since XX/XX/2022 they never responded to me neither by email, phone or mail. In the attachment you can see all the details and dates. 

Note : How can you contact Wise.com : a ) XXXX phone number - nobody every answers The Wise customer service phone number you find on XXXX is XXXX with an automated response : " Hi, thanks for Calling Wise. Our phone lines are closed at the moment. Find another way of contacting us or check when our phone lines are open on wise.com/help. '' b ) Wise.com/Help : I could not use the wise.com/help as it requires you to log in, however Wise had closed my account. 

c ) I XXXX  Wise in XXXX, yes it worked on XX/XX/XXXX. I explained The person what happened, he promised to email an appeal form but never did. 

d ) I found address and phone number on the online Wise.Com XXXX XXXX XXXX for the US. I called them and explained what happened, he promised to email an appeal form but never did. 

e ) It is not possible to talk to Wise Compliance, you are blocked by the customer service and the customer service is of no help.
Product: Credit reporting or other personal consumer reports

Hello, I recently received a copy of my tri-merge credit report. I explained to the credit bureau that reporting late on my credit report is illegal per the fair credit reporting act. I clearly explained that they were in violation of the law under 15 USC 1681B permissible purpose of consumer report this is a {$1000.00} CFPB ( a ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( A ) in accordance with the written instructions of the consumer ( individual ) ( me ) to whom it relates. ( Did I give you written instructions to furnish this account on my credit report? ) Furthermore, the Fair Credit reporting is USC1681 ( 2 ) Exclusions-Except as provided in paragraph ( 3 ) the term ( consumer report ) means any written, oral or other communication of any information by consumer reporting agency bearing on a consumer credit report. ( i ) report containing information solely as to transaction or experience between the consumer ( Individual ) and the spoken person ( Individual ) making the report.

As you can see per your law that it is illegal to report late. I did not give written instructions to furnish any information on my credit report. Furthermore FCRA As stated on a consumer credit report containing information solely as a transition or experience BETWEEN THE CONSUMER ( INDIVIDUAL ) AND THE PERSON MAKING THE REPORT. Please have them to remove all lates from XXXX XXXX ( XXXX ) and XXXX XXXX XXXX  XXXX ) from Experian, XXXX, and XXXX XXXX. I appreciate your assistance and upholding the law and the credit beura responsible for an accurate information being reported on a consumers credit report. 
Sincerely, XXXX XXXX XXXX XX/XX/year> XXXX
Product: Credit reporting

I view my credit reports Transunion that reporting that from collection creditor ( XXXX ) account number XXXX.Adress XXXX.I contacted with XXXX collection department .I spoked with supervisor employee name XXXX and his contact number are XXXX.He verified account are not under my SSN or address and is not my account and I also talked to Transunion they cant not do anything but disputed, and i already did as XXXX/XXXX/2016 and file number XXXX and contacted with supervisor transunion XXXX from consumer contact dept.
Product: Vehicle loan or lease

XXXX has ignored all emails sent to them requesting updated statements on all active accounts. I have no clue of my balances owed or paid. I have requested several times for statements to be mailed to my address. It has been months since I actually received statements by mail of all active accounts that I currently still have with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im reaching out because after a review of my credit report I found this creditor on my report. Before being placed on my report This debt collector did not attempt to reach out or inform me of any such debt toward me. This is having a negative impact on my credit score I need this account removed. By law, a creditor must inform me of the alleged debt against me and give me 30 days to resolve the issue which this company did neither. I have no issues with paying the balance but this account must then be removed from my credit report not settled, not paid, but removed. I never received calls or mail correspondence related to the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an incorrect collection account on my credit report. 

Invalid account : XXXX XXXX for {$4600.00}
Product: Debt collection

I have been recieving emails from a group called AMERICAN ADJUSTMENT BUREAU about a payday loan that i know nothing about, recently i got a call from them and when i asked for more information regarding the debt so that i can also investigate it they hung up the phone and when i called back they pretended they did not contact me in the first place now when ever i call it goes to voice mail and no one ever calls back. On the recent email that i got from them it sounds like they are threatening me or trying to scare me to send them money. I am scared because they have my vital information I.E they have my ssn number, my DoB and my bank account number. And on the email that i got from them they did not provide a way for me to contact them back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2020, I have filled XXXX times a dispute asking for a removal of remarks of delinquency reported by XXXX XXXX. Each time XXXX sends a letter with the resolution in my favor and an updated report. The problem is XXXX days later the remarks appear again in my report. XXXX says there is nothing they can do if the creditors send the remarks every month. This last part clearly violates federal regulations that states : " If the provider continues to report the item you disputed to a credit reporting company, it must let the credit reporting company know about your dispute. And if you are correct that is, if the information you dispute is found to be inaccurate or incomplete the information provider must tell the credit reporting company to update or delete the item. '' The item under dispute is a missed payment remark from XXXX when the loans were under forbearance. I have disputed this with XXXX without any luck, even though my evidence is a letter from them stating the the accounts were under forbearance in the same period they claim there is a missed payment.
Product: Mortgage

Seterus told me if I paid an amount by a due date then my house would be out of foreclosure. I did & they kept invoicing me for " more $ ''. On three occasions ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) their customer service employees told me to disregard the amount on the invoice as it takes their legal team several months to balance out. They confirmed that the money was n't owed. Today I learned that they filed foreclosure on me AGAIN for those legal fees from the XXXX foreclosure. WARNING!!!!! Seterus Customer Service Team is stearing you into foreclosure with their statements.
Product: Mortgage

On XX/XX/2019 my husband and I applied for a loan to buy a house with an FHA XXXX loan through XXXX XXXX at Finance of America. At that initial meeting, I was told I was pre-approved and to start looking for homes. On XX/XX/XXXX, a pre-approval letter was sent to my realtor and we received an accepted offer to purchase a home. On XX/XX/XXXX, XXXX was sent a copy of the accepted offer with a close date of XX/XX/2019. Over the next few weeks I stopped by XXXX office numerous times to check in and I was assured all was on track and he had what he needed to complete the transaction. On XX/XX/XXXX XXXX sent an email out to the realtors asking for a 45-day extension as he was unable to complete the loan and he needed to switch financing for our loan. on XX/XX/2019 we received our first set of disclosures from Finance of America dated XX/XX/19 there were two sets of the same paperwork sent to us. This set of disclosures was for a standard FHA loan not the FHA rehabilitation loan we applied for. There was no communication or explanation of what was going on with our loan. Looking back on our pre-approval letter the information doesn't match the loan we applied for either. We now have had to seek financing elsewhere and hope that we can get an extension and not lose this house or the earnest money we put down. This has caused us a great deal of stress and we are now rushing to get a loan for our family, when we started this process back in XXXX of this year. I am attaching some documents that we received during the process.
Product: Mortgage

XXXX XXXX Account Executive, XXXX # XXXX XXXX XXXX Processor, Retail PennyMac Loan Services , LLC Both reps were rude and not friendly. They scheduled a closing date and tim, XXXX XXXX, 2016 at XXXX XXXX. No one showed up. Nobody called to cancel or to reschedule. I called to speak to a manager. It has been four days and no one has called. I have XXXX different closing disclosures. The XXXX one has me borrowing almost a thousand dollars more than what I owe. Plus all the loan costs have changed. The loan costs, other costs have all changed. WHY? One disclosure shows Title insurance went from {$400.00} to {$400.00}. Why have all the figures for each specific loan cost changed? Seems to me they are just playing with the numbers to fool me into signing. I NOW FEEL LIKE I CAN NOT TRUST THESE PEOPLE AND WANT TO CANCEL THIS REFINANCE.
Product: Credit card or prepaid card

Recently got an American Express/AMEX Gold card with a {$250.00} annual fee. That card is advertised as providing 4x membership rewards points on U.S. Restaurants and U.S. Supermarkets ( up to $ XXXX in annual spend ). The restaurant transactions routinely code improperly, as XXXX points, even though the establishment 's coding to AMEX is clearly listed as " Restaurant-Restaurant. '' About 30 % of charges on my last 3 statements code improperly. Many of these are third party processor issued transactions, such as from XXXX or XXXX, but not all. I have opened two customer service cases with AMEX. I've called in 4 times, and chatted via online chat 1 time, for updates. This is over a 6 week stretch. They keep stating it'll be 2-3 weeks upon which I'll get a call, but I have not. I remain unable to gain resolution on this issue. 

This issue has been reported on many major travel sites - from XXXX to XXXX, as well as on the XXXX AMEX forums and on multiple XXXX   pages. It is beyond unacceptable that a company such as AMEX can not appear to be able to systemically remedy this issue or handle customer service for it, appropriately.
Product: Debt collection

Called XXXX to pay debt from paypal credit, last communication was with them in XX/XX/2020. While speaking to them they said they did not have record of my debt and could not find who they sold the debt to. They were unwilling to investigate or help at all and just keep saying we do not have or have ever had an account, im literally reading them their letter and account number, and I have no idea where to go from here as they should by law have the information of who bought the debt from them. 

I then called Synchrony bank who also could not find i ever had an account with them even though i know i have since they are listed on the debt collection letter as original creditor for my paypal credit, they would not send me a letter confirming that they can not find an account for me or anything.
Product: Debt collection

I have sent paperwork from irs and from one credit bureau proving of fraudulent activity. They will not except it and take it off. LVN funding for a credit one bank. Please help I am a widow and on XXXX  and only get {$1000.00} a month
Product: Mortgage

A Washington Mutual Loan Amount of {$24000.00} has been reported in my credit report. 

The lender 's address was provided to be XXXX XXXX XXXX XXXX, XXXX, CA XXXX The loan does not belong to me. 

Please confirm that the loan has not been issued for social security number with last two digits ending with XXXX.
Product: Credit card or prepaid card

I hold an XXXX XXXX XXXX card which issued by TD Bank , N.A . The card had a feature that included a deferred interest period on purchases. However, unlike other cards with similar deferred interest feature, TD Bank does not provide a clear indication that a promotional payment is due to avoid deferred interest charges.

I have set my payments up to pay the balance due each month. A deferred interest period expired as of XX/XX//2022, and the outstanding balance due was not withdrawn automatically. Instead, the regular monthly payment was withdrawn from my checking account, and deferred interest of {$1100.00} was added to my outstanding account balance. When I called in XXXX after I received the next monthly statement, I was told that the notice of the expiration of the promotional balance was noted on my statement. 

The statement and program is unfair, deceptive and misleading and the expiration of the deferred interest promotion is buried in the statement. On my XXXXXXXX XXXX card, which is issued by XXXXXXXX XXXX, the expiring deferred interest promotion is clearly indicated next to the payment information, in bold red font. This bold red print is the top third of the statement, next to the payment information, so I don't have to read the entire six page statement in order to understand that a promotional period is expiring.

When I called and offered to make the payment, explaining that I thought any amount due would be drawn along with any other amount due, I was told that is not the case. I asked for an abatement in interest if I paid in full, and was denied that opportunity. I was told that my account is set up for payments of {$150.00} per month, which is also not the case. The automatic draw is set up to pay the entire payment due each month. In short, I was told to read my six page statement ( front and back ) and figure it out myself.

This is not the service that I expect from TD Bank, but is more representative of a payday lender. I would appreciate your assistance in order to 1 ) reverse the interest assessed for missing the expiration of the promotional period due to lack of notice/and clear statement messaging, and 2 ) assess the confusing payment system as a mitigating factor. Again, TD argued I set it up to pay {$150.00} per month but I set the auto-pay feature to pay the full amount due each month, which has consistently drawn my account for more than {$150.00}. I fully expected that any monthly draw would include any promotional balance due for the period based on how I set up the payment in THEIR system.

My experience with the TD card rises to the level of deceptive and misleading with respect to the expiration of the promotional period, coupled with the complete lack of transparency in the automated payment system. If anything, these practices are designed to prevent consumers from paying promotional balances, especially compared to industry peer such as XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/22 to XXXX Credit Bureaus to remove erroneous accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX Balance : {$470.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$390.00}
Product: Debt collection

I am not liable for this debt of with diversified adjustment I do not have a contract they did not provide me with the original contract as I requested my wet signature and ID verification. 
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me
Product: Credit reporting or other personal consumer reports

I am having issues with my credit report. I noticed multiple TILA violations on my report. I recently spoke with a legal advisor regarding this matter. Please send me the following as PROOF that you did your due diligence in maintaining the accuracy of my report ; self financial notifies me 21 days before my due date to make a payment. 

Please provide me with a copy of the creditors payment ledger supporting your claim that I was ever late on account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) ( XX/XX/year> ) As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and stateunder 15 USC 1681n civil liability because Ive been violated. 


Here is the law code for reference : 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

DO NOT SEND ME NOTHING BACK TRYING TO STALL I AM WHO I SAID I WAS. I HAVE INCLUDED MY ID AND SS NUMBER AND YOU SHOULD BE ABLE TO FIND ME. IF YOU SEND A STALL LETTER THIS FURTHER LETS ME KNOW YOU ARE NOT DOING YOUR JOB. I WILL BE KEEPING RECEIPT OF THIS FOR LEGAL PURPOSES.
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired a loan XX/XX/2021 with US Auto XXXX. I attempted to no avail to have my account balance updated on my credit report in XXXX, so I refinanced with XXXX XXXX since they were being unprofessional. The loan has been paid off, I have made the first payment to the new lender, XXXX XXXX and still US Auto XXXX has NOT closed the account. They always respond they're in the process and XXXX has gone along and that's why the balance reflects XX/XX/2021. Now it looks like I owe almost $ XXXX for a car I only owe $ XXXX and some change. Please, please help. US Auto XXXX has tanked my credit and refuses to close their account, they're always in the process of doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting incorrectly my balance on my XXXX XXXX Credit Card. I have provided a snap shot of what is currently being reported. Current balance of {$240.00} is incorrect and needs to be {$170.00} as the other two bureaus are accurately reporting.