23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

It has been a couple of years ( 2 ) when money was transferred through my XXXX account to someone who so unfortunate has my same last name ( XXXX XXXX ). Therefore, when I called Wells Fargo to report it, they said I was scamming them ( maybe not in those words ) but they refused to refund the money. Very soon after on the XXXX page a new message was posted regarding being aware of scams. After reading on the internet people complaining about Wells Fargo for this same issue, I am now writing to you, to see if there is the possibility of retribution. I am XXXX XXXX XXXX on Social Security and no other income.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I applied for a XXXX  ( XXXX  ) credit card and was told it needed further processing. I recieved a letter from XXXX, that a security/credit freeze was put on my account. I NEVER authorized a credit freeze with Sagestream. I never heard of them till I got the credit denial letter. I tried to contact/dispute this by calling, ( no one answers ) .going to web site ( unsuccessful ). They want to to faX personal information to them in order to help me. I will nto
Product: Payday loan, title loan, or personal loan

On XX/XX/2021 I made a purchase online with XXXX XXXX XXXX ( XXXX ) and opted to pay over time through Affirm. More specifically, their platform serviced the loan through XXXX. Halfway through the loan term, my debit card was canceled due to fraudulent activity. After getting a new debit card from my bank, I attempted to update my payment method via my Affirm account online. I received an error message saying the card was " invalid ''. Thinking this was due to my bank declining the card, I tried a different credit card. Same issue. 

Over the past 6 weeks I have tried multiple times to add a different card ( both debit and credit ) and keep having the same problem. I have called Affirm more than 6 times trying to get this situation fixed, attempting to speak to a manager who oversees technical issues. Each time I'm told the problem will be escalated, only to check in days later to find out the case has been " closed '' though there has been no response or resolution. I have called my banks. They all confirm that they are not declining the attempts. In fact, I have multiple Affirm loans that are currently active, with the card I am attempting to add as a payment source, that have had no issues. So the problem is clearly with their system. I am at my wits end. 

The loan is now considered " overdue '' and each time I speak with someone it's like talking to a brick wall. They keep attempting to get me to try a different card, although I repeatedly explain the main issue is that I can not add one. I keep being told my overdue status will affect my ability to use their service for future purchases. I would appreciate getting help from someone who is higher up in management and also someone who is not staffed at one of their lower tiered call centers.
Product: Mortgage

Due to covid19 I asked for information on the wells Fargo forbearance process on my mortgage. I was told I would receive information by mail. 

When I received my letter I was told that I was eligible and to go online to confirm and cancel my automatic payments. Also it stated that if I didn't need the assistance no action was needed I could disregard and nothing more will be done. 

XX/XX/XXXX I noticed my payment didnt get drafted. Called XX/XX/XXXX. Was told I was in the forbearance program. I never requested this to be done, only asked for information. I requested that day and twice since requested but it has not processed to be removed from the program.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report from one of the credit agencies. Experian, XXXX or XXXX. 
Upon reviewing it I noticed some discrepancies that I would like to address. There seems to be a record of payments and inaccurate accounts associated with my profile specifically concerning the account under ( XXXX, XXXX ). 
I want to clarify that I have never been late in making payments for this account. Kindly provide documentation supporting any alleged payments so that we can rectify this error. If you are unable to provide evidence, I request that these inaccuracies, be promptly removed from my credit report as per 15 USC 1681b. It appears that there may have been a misunderstanding or oversight on your end regarding the reporting of information related to my account. According to the law outlined in 15 USC 1681b concerning purposes of consumer reports it is crucial to adhere to guidelines when furnishing consumer reports. As per the statute mentioned above consumer reporting agencies are only permitted to furnish consumer reports based on written instructions from the individual. Therefore, I urge you to verify whether I explicitly authorized the inclusion of this information in my credit report. Thank you for your attention and cooperation, in resolving this matter efficiently. Additionally, the FAIR CREDIT REPORTING ACT, under section 15 USC 1681 ( 2 ) ( a ) ( i ) specifies exclusions regarding information in consumer credit reports. ( 2 ) EXCLUSIONS. With the exception outlined in paragraph ( 3 ) a " consumer report '' does not encompass Within the provisions of section 1681s 3 of this title any ( i ) report that solely contains details about interactions or transactions between the consumer and the reporting entity. Kindly remove the payments from my consumer report as it violates 15 USC 1681. Failure to adequately respond by deleting the specified account from my report and providing a complimentary copy post adjustments will lead to action against your organization. I intend to seek {$1000.00} per violation for. 1. Defamation of Character 2. Negligent Enablement of Identity Fraud 3. Violations under Fair Debt Collections Practices Act specified in 15 USC 1692g 4. Willful noncompliance with Fair Credit Reporting Act outlined in 15 USC 1681. Liability, for noncompliance [ IS U.S.C. 168 In ] XXXX year payment history is erroneous and incomplete with all three credit agencies. 

XXXX : 30 days late XX/XX/year> & XX/XX/year> 60 days late. 

Experian : 30 days late XX/XX/year> and XXXX XXXX 60 days late. 
XXXX : XXXX XXXX 30 days late, XXXX  60 days late, 30 days late XX/XX/year> and XXXX XXXX  60 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

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. 

The did not do this. 

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 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 I did not give anybody written instructions These three accounts need to be delete two are closed and I have a delete letter for XXXX XXXX accounts And the XXXX XXXX  account is fraudulent, police report number is attached
Product: Credit reporting, credit repair services, or other personal consumer reports

There are discrepancies on my personal credit report ( s ) that are in violation of my consumer rights. Please permanently delete and block the below accounts and inquiries from my XXXX, XXXX, and TRANSUNION credit report ( s ). These inquiries are fraudulent and unverifiable. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX These accounts and inquiries are fraudulent , unverifiable , and are in violation of my consumer rights. Requesting to permanently remove these accounts and inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

UNDER THE FAIR CREDIT REPORTING ACT. THESE ACCOUNTS HAS VIOLATED MY RIGHTS BY REPORTING FRAUDULENT ACCOUNTS TO MY CONSUMER REPORT. FCRA IS A FEDERAL LAW THAT HELPS TO ENSURE THE ACCURACY, FAIRNESS AND PRIVACY OF THE INFORMATION IN CONSUMER CREDIT BUREAU FILES. XXXX, EQUIFAX, AND XXXX HAS VIOLATED MY RIGHTS BY REPORTING FRAUDULENT AND FALSE INFORMATION TO MY CREDIT REPORT. THESE ACCOUNTS LISTED BELOW IS FRAUDULENT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, EQUIFAX, AND XXXX, HAVE VIOLATED MY RIGHTS BY REPORTING THESE ACCOUNTS TO MY CREDIT REPORT ACCORDING TO [ 15 USC 1681 ( a ) ( 2 ) ( B ). FAILURE TO RESPOND SATISFACTORILY WITH DELETION OF THE ABOVE REFERENCED ACCOUNTS, AND SEND OUT A FREE COPY OF MY CREDIT REPORT AFTER THE CHANGES HAVE BEEN MADE WILL RESULT IN LEGAL ACTIONS BEING TAKEN AGAINST YOUR AGENCY, FOR WHICH I WILL ALSO BE SEEKING {$1000.00} PER VIOLATION FOR : DEFAMATION OF CHARACTER 2. NEGLIGENT ENABLEMENT OF IDENTITY FRAUD 3. FAIR DEBT COLLECTIONS PRACTICES ACT 15 USC 1692g VIOLATIONS. ALSO, THE ADDRESSES LISTED ON MY CREDIT REPORT ARE NOT MINES, I'VE NEVER LIVED AT ANY OF THESE PLACES : XXXX XXXX XXXX XXXX XXXX TX XXXX... XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX ... XXXX XXXX XXXX XXXX TX XXXX... AND XXXX XXXX XXXX XXXX TX XXXX. COULD YOU PLEASE DELETE THEM FROM MY CREDIT REPORT.
Product: Credit card or prepaid card

Some how two months in a row I did not make the minimum payment by XXXX cents so of course my minimum payment went up the following month. When I paid the next month I paid more than the minimum due. My payment then jumped up {$5.00} to {$6.00} dollars more. I sent an e-mail asking why they would raise my payment. Their answer to me on XX/XX/2022 was " We reserve the right to change how we apply your payments ''. I have been paying on this card for years. I had a friend years ago tell me to pay off the card by writing on the check the amount of interest to be paid and put the rest towards the principle owed. Barclaycard refused to accept my payments under those terms. I feel it is not right that they can just change the rules to whatever suits them. Please tell me is this a legal practice? I feel I will never get this card paid off under their rules.
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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 or other personal consumer reports

Subject : Request for Proof of 1099-C and Removal of Debt from Credit Report.

I am writing to address a matter regarding the debt listed on my credit report under a discover account in my name, which was discharged and subject to a 1099-C issuance. According to the company I received a 1099-C for the aforementioned debt, indicating that it was discharged. I have requested and still yet to receive a copy of the 1099C and the company refused my payment stating it was forgiven. However, despite all this, the debt is still being reported on my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), I kindly request that you provide proof of the 1099-C that was issued for this debt. I believe this documentation will support the removal of the debt from my credit report, as it accurately reflects its discharged status. Please provide this proof within 30 days of receiving this request. If you are unable to provide the requested documentation, I respectfully request that you promptly remove the debt from my credit report. If proof is provided and the debt has been discharged or forgiven as stated I request that it reflect as such with no balance owed on my credit report. Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting

I am in the process of a refi on my home. It is important that I have my credit score as high as possible. I spoke with Eqiufax regarding a credit inquire that will be 2yrs old on XXXX. I would like it to be removed on XXXX. They say it will take another month. All they wanted to talk about was selling me a security monitoring plan. VERY AGGRESSIVELY!!! PLEASE help me to have this removed on the 2year date. TIME IS OF THE ESSENCE. PLEASE. 
Thank You So Much, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Az XXXX *********** XXXX
Product: Credit card or prepaid card

My money loaded on my card midnight XX/XX/XXXX. Next morning my card was declined. XXXX had disappeared. I called card company direct express right away. The operator looked up my account, told me an online account had been created using my info to transfer my money to another account. They had also changed my user name to ( updated ). He took my report, sent a a form to fill out. I  emailed the form same day and mailed it as well. They canceled my old card and sent me a new one.I recieved a confirmation email that they had recieved my paper work and would complete their investigation in 10 days and they would contact me by XX/XX/XXXX. By mail. On XX/XX/XXXX I called to ask about case. All the operator could tell me is what the computer said .they ruled against me but no details of why. He said he would send disput dept. a letter and I should expect a letter in 5 days detailing the investigation and how they came to that conclusion. I called again XX/XX/XXXX after no letter and was told the same thing. I was also told there was absolutely no other person or number available to me. There is absolutely no way they can say I am liable for this theft. My card was not stolen and I have no need to write down my pin # ( They are not abiding by the federal reserve Reg E. ). PLEASE help. This has caused a real hardship this month, Ive had to ask other people to pay my bills, Ive not been able to get this months prescriptions ( XXXX ) I have no way to get groceries, and more. Can you make them abide by the law?
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE WRITTEN TO BOTH XXXX AND THE CREDITORS LISTED BELOW ONLY TO KEEP GOING IN CIRCLES CREDIT AGENCY SAYS ITS CREDITOR CREDITOR SAYS ITS CREDIT AGENCY REPORTING THE INQUIRY XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX theses are all from XXXX
Product: Credit reporting or other personal consumer reports

I am writing to verify an account that appears on my credit report. The account in question is reported under the following details : Collection Account Name : RM GALICIA/PROG MGMT SYSTEMS Account number XXXX .... 
Reported Address : XXXX ( identification number ). 

I would like to formally request an investigation into this account, as it is associated with an address where I have never lived. According to the Fair Credit Reporting Act, I have the right to dispute inaccurate information on my credit report. 

I kindly request that you investigate this matter and remove this account from my credit report, as it is not valid.
Product: Debt collection

Several attempts in writing were made to Navient to provide student loan documents to verify and validate. No documentation received in last 60-days. 

Navient is reporting negative info to credit bureau 's severely hurting my financial status. 

I am making my student loans directly to US Dept of Education per agreement and on time. 

Need quick help. 
Thanks,
Product: Credit reporting or other personal consumer reports

IN ACCORDANGE WITH THE FAIR CREDIT REPORTING ACT.-THE UST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. 
XXXX, Account Name : XXXX XXXX XXXX Account Number XXXX HAS VIOLATED MY RIGHTS.

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 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. 16815-2 ( 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. By law the three credit agencies report this account without my written authorization and are violating my consumer rights and they have to have 100 % correct information in the three credit agencies High balance : It is
the same in two credit agencies and in the other has other information that is illegal and violates My rights as a consumer. I demand account deletion Account Name : XXXX XXXX XXXX Account Number XXXX
Product: Money transfer, virtual currency, or money service

XXXX or XX/XX/, amount : {$5400.00}, we ask for refund because the money orders we send to our landlord never received it, and MoneyGram told us no one cash the check, so MoneyGram said they will issue a check of that amount in 30 days back to us but they never did for 2-3 months now. We call customer service & the Manager only say the same thing over and over again on the phone lying that it is coming but we never see the check. We believe theyre withholding our money.
Product: Mortgage

I paid down my mortgage so that I can remove the mortgage insurance. I called on XXXX to have the PMI removed. I was told they needed to send a realtor out to evaluate my property in order to have it removed. I have called several times as well as sent a chat messages to have a manager contact me since they have done nothing as of today. No one has contacted me to evaluate my property and no one has returned my call. I have continued to be billed for mortgage insurance. I called yesterday and the representative disconnected and never called me back. I am being charged a fee that per the law should be removed as I now have over 20 % down on the loan.
Product: Credit card or prepaid card

Today, Monday XX/XX/2019, I received an unsolicited prepaid debit Mastercard from Netspend. In XX/XX/2019 I registered by certified mail with Opt Out Prescreen to opt out of all card offers. Netspend appears to have ignored my valid and binding opt out request. This is not acceptable. Please 1 ) penalize Netspend or their parent company ( s ) to the full extent of the law. Please also 2 ) require Netspend to delete all of my personal information from their records, 3 ) refrain from ever selling or sharing any information about me to any third party in perpetuity, and 4 ) issue a written and unconditional acknowledgment and apology to me as to each violation of law and each of my requests herein.
Product: Checking or savings account

I live in a poor neighborhood, and Wells Fargo has abandoned my neighborhood. This is an act of XXXX XXXX XXXX XXXX 

My neighborhood branch of Wells Fargo XXXX XXXX XXXX XXXX ) has not been open for over a month. As of XX/XX/2022 the ATMs at my neighborhood branch are out of cash. I spoke to the following Wells Fargo reps on the telephone on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX None of these reps stated that the problem would be resolved. All three reps advised me to travel to another branch when I need to use an ATM.
Product: Checking or savings account

IM A VICTIM OF IDENTITY THEFT AND I HAVE NO HISTORY WITH THESE BANKS. DIRECT COMMUNICATION WITH THESE BANKS CONFIRMS NO RECORD OF MY ASSOCIATION. INFORMATION SUGGESTING OTHERWISE IS INACCURATE AND IS TIED TO FRAUDULENT ACTIVITY. IM ACTIVELY RESOLVING THIS ISSUE, REPORTED TO AUTHORITIES. KINDLY ASSIST IN RECTIFYING ANY ERROREOUS BANK RELATED RECORD.
Product: Mortgage

XXXX transfered my service after I finally got a fee removed that was waived in XXXX. It took nearly two years of arguing back and forth. Now Seterus has my loan staring XX/XX/XXXX. Once again they are not only recharging same fee but added house preservation fees. XXXX fees XXXX for XXXX and ond for XXXX. They have me as asking for modification which I did not. I have no access to my loan. They have hung up on me serveral times. XX/XX/XXXX I called and the automated line said it was temporarily closed? They say they removed my request for mod? I never said I was in a hardship. And my modification incentives are not found. All fees are for sMe date XX/XX/XXXX. I had a previos complaint with XXXX on tnis site for same issue. This fee is on my loan tax form as waived. I contacted XXXX and they said it should not be ghis fee was waived on there records when loan was transfered. Three years of ongoing problems. I think there trying to push me out of my modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went online to all 3 credit reporting agencies to lock my credit so I could protect it. I'm trying to improve my scores so I can get a mortgage and want my credit protected. I did not know that by doing this that very day my scores would go up above 20 points in that same day. So, later my scores continue to go up. So, I think ok, now I can apply for the mortgage. I go in again to all 3 agencies and unlock my accounts so the mortgage company can run my credit, and what to my wondering eyes appears but a lower score by 36 and 38 points. I was dumbstruck. I am very angry. Also XXXX keeps advertising this Boost program. I go there once a week and try to get on that but every time I try my bank isn't in their system to get in on that program. These 3 agencies are just a racket. Maybe they shouldn't be allowed to be so commercialized or offer programs. I've lost respect for them. Also, when trying to call these agencies you can't talk to a human. It's all automated, so I can't call and complain with them.