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

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX  XXXX  XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Money transfer, virtual currency, or money service

I transferred {$1000.00} to a blockchain account ; the account was opened because XXXX XXXX  illegally transferred my cryptocurrencies to BLOCKCHAIN ; I HAVE BEEN TRYING TO ACESS MY ACCOUNT WITH BLOCK CHAIN FOR A YEAR? 
BLOCK CHAIN HAD ME FUND MORE MONEY INTO THE ACCOUNT SO i could trade ; INSTEAD OF REPEATED TRYING I AM LOCKED OUT OF MY ACCOUNT AND DO NOT HAVE ANY ACESS TO MY ACCOUNT.

THE MONEY IS NOT TRANSFERED AND NO ONE CAN ANSWER WHERE THE MONEY WENT? 

Blockchain blockchainXXXX [ Blockchain ] Re : ACH transfer of CASH to my account via the XXXX XXXX XXXX ID # XXXX XXXX / Old Mail Support blockchainXXXX  From : XXXX To : XXXX Mon, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Please type your reply above this line - XXXX XXXX XXXX XXXX Blockchain ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I hope this email finds you well. We are currently looking into your previously raised support ticket XXXX. Your request requires some further investigation on our side and we will make sure to get back to you as soon as possible. 

Thank you for your patience while we look into this matter. 

Kind Regards,
Product: Mortgage

Had a refinance with XXXX in XX/XX/XXXX. Tried to modify several times before default and denied. Bank of ny mellow started forclosure procedures in XX/XX/XXXX. Found numerous fraudulent things in papers and fought it.they 're motion was, denied with leavery in XX/XX/XXXX. They served me with new docket number in XX/XX/XXXX statue of limitations expired on XXXX docket number. Hired petrol law XX/XX/XXXX and I 'm paying XXXX to attorneys to defend XXXX dockets in XXXX supreme court for same forclosure by same bank. Their attorney is XXXX XXXX. We are filing a cross motion to dismiss both cases but I want them to release the lines on my title. They have no rights to my property and have hindered the sale several times including XXXX short sales. I 'm on workers comp. The house needs a roof I ca n't afford. The property is now worth {$610000.00} which is {$110000.00} more then they claim I owe. Statue of limitations in new York is 6 years. Again it expired in XX/XX/XXXX. They los any right they may have had not including the fraud. They got XXXX docket # in order to attempt to reset the clock.
Product: Credit card or prepaid card

On XX/XX/2021 {$500.00} XXXX some internet travel service fraud charge my card and i call number behind card and inform them the fraud and identity theft has occurred. They file dispute and charges was removed and they send me new card. 

They did not process it correctly how come the fraud purchase by XXXX XXXX XXXX was paid and now it Show as XXXX XXXX. The auto debit my Bank account today and i was shocked as according to PNC i donot owe credit card.
Product: Checking or savings account

In XXXX, after series of disputes over the timing of deposits and coverage by clearing checks resulting in unlawful overdrafts I contacted a XXXX XXXX, XXXX XXXX XXXX who after a series of impassive contacts, they decided to close my checking account XXXX XXXX and savings XXXX and abandon XXXX XXXX as a customer with Wells Fargo Bank. Subsequently they closed the accounts, all that was in the checking I received, but the Savings had {$350000.00} and I did not receive the last {$150.00} plus interest to that date.. Contacts with the bank, that year and ensuing years, XXXX to XXXX have resulted in Wells Fargo stating that my account is not able to be found. This posturing on their part with the ridiculous claim there were not records of any account I held. Please review. I have time now to prosecute this claim in perpetuity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft in which this Wells Fargo account Is a result of that. I have reached out to Wells Fargo for years now and they keep telling me that there is no case in there office I have recieved emails from Wells Fargo with a case number but I can never get any information to move forward. I have sent a copy of my FTC package and they have responded asking me to send verifying information in which I sent with the FTC package. This balance of {$140.00} has affected my livelihood for me and my XXXX kids. I keep getting rejected for an apartment because of this account that doesn't belong to me. The credit bureau keep saying that they. verified it's accurate BUT will not provide the information to me they just give a generic update.
Product: Credit reporting or other personal consumer reports

As a victim of debt bondage, a severe form of human trafficking, I was coerced into accumulating debts, resulting in multiple derogatory marks on my credit report. I am collaborating with a representative from the XXXX XXXX, an organization dedicated to helping survivors of human trafficking. Together, we are invoking Section 605C of the Fair Credit Reporting Act ( FCRA ), which obligates credit reporting agencies to exclude adverse information resulting from trafficking once an official claim has been submitted.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported my student loans as delinquent 90 days. I was never notified that they were out of deferment and forbearance. I was never notified that the loans were 30 or 60 days late. This has negatively affected my credit report. In addition, I attempted to speak with a supervisor regarding my account. I was told someone would give me a call back. I am requesting for me credit report to be corrected.
Product: Checking or savings account

On XX/XX/XXXX at XXXX PM I had made 3 Cash Deposits to my Chime Bank CHECKING account at a XXXX, amounts each {$500.00}, totaling {$1500.00}. 

At XXXX XXXX the 1st transaction posted immediately to my checking account balance. At XXXX XXXX the 2nd transaction posted to my available checking account balance. At XXXX EST I noticed the Third Cash Deposit HAD NOT POSTED to my account, as if there was never a 3rd transaction. 

This immediately was a cause for concern, so I called Chime around XXXX XXXX, and had explained the situation. They told me if it doesnt resolve in XXXX hours, to call back. 

I waited XXXX hours and then called back. I was then advised if it doesnt resolve in XXXX hours, call back. I waited XXXX hours. 

I went into the XXXX that had taken the cash deposits, and requested a verification on their end that the transaction are all in the system. They were so gracious enough to give me a print out of their bank end data. This print out showed there was no abnormalities in the processing of the transaction. 

I then called Chime Bank back by this point XX/XX/XXXX, they had advised me that they would escalate the situation. They requested I send them the pictures of all 3 receipts, and the print out I had received from XXXX. I did that. After XXXX hours I received an email requesting the documents again. I had called and asked for an update, they mentioned they have contacted the merchant and are waiting to her back. 

At the time of me writing this complain, it is the XXXX of XXXX. Its been almost 2 weeks since the issue occurred, and it appears that not only does XXXX not issue refunds, but apparently theres a {$1000.00} maximum per day. So I believe its false and misleading representation on XXXX behalf, and the fact there is no resolution after this long I believe all parties involved need to be held accountable.
Product: Credit reporting or other personal consumer reports

I filled a dispute on the following accounts : Credit Karma XXXX/ XXXX  : XXXX, According to ( 1 ) 15 USC 6802 : Obligations with respect to disclosures of personal information - A financial institution may not disclose nonpublic personal information to a nonaffiliated third party.. i.e. XXXX ( 2 ) 15 USC 1681b Permissible purposes of consumer reports -any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : B ( 2 ) in accordance WITH the WRITTEN instructions OF the consumer TO whom it relates. This addresses the permissible purposes for which consumer credit reports can be accessed and used by third parties ** I never gave them any WRITTEN instructions to furnish anything on my consumer report so they are in direct violation of 15 USC code 1681b** Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA . ( 3 ) 18 USC 1028A - Aggravated Identity theft Whoever knowingly transfers, posses, or uses, without lawful authority, a means of identification of another person shall be sentenced imprisonment for 2 years My rights are in CLEAR violation and this is stopping me from being able to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 2. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 3. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 4. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 5. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
Account Number : XXXX As a consumer by law this account must be deleted immediately 6. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
Account NumbeXXXX : XXXX As a consumer by law this account must be deleted immediately 7. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
Account Number : XXXX As a consumer by law this account must be deleted immediately 8. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately
Product: Vehicle loan or lease

Chase  auto finance reported a late payment. Payment was made in beginning of the mouth I called several day after to conform payment went through. Persons on the phone told me it did go through. I now noticed a credit drop for non payment. When I was told by them that te payment had went through
Product: Credit reporting

Equifax is ignoring my requests to investigate, verify and remove the inquiries from my credit report that were not initiated by me.
Product: Credit reporting or other personal consumer reports

Complaint- XXXX I am writing in response to your recent correspondence indicating that you were unable to locate a credit file for me. 

Given that you have confirmed there is no credit file associated with my identity, I am formally requesting that you permanently delete any residual or incomplete information you may have on file related to me.
Product: Student loan

I had been slowly but sure making payments to to Navient for years, as I struggled financially to repay student loans that were a terrible decision due to my lack of understanding and knowledge I agreed to attend XXXX XXXXa scam of a school that wasted my time and thousands of dollars in loans for nothing in return. Never properly educated. Never received diploma. Tried to address the issues with no luck. I struggled to make payments to Navient first with citizens, then Navient and it was such a negative experience. I finally paid off my loans and agreed to close the account years ago around XXXX but I never received my payoff letter or my confirmation of paid debt and closed account. I have been harassed since then according to them I still owed money which makes no sense. I need help.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX XXXX Balance : {$4.00} ; XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX  Balance : {$110.00}.
Product: Credit reporting or other personal consumer reports

In my review of the credit report, I found some erroneous information. According to Sections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the three credit bureaus must verify these accounts. Reporting unverified information without evidence within the legal timeframe is prohibited. Kindly investigate and correct the errors for the following accounts listed on my credit report : XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX  XXXX XXXX Balance : {$3000.00}
Product: Debt collection

Company is calling references to collect my debt. Informing family members and friends of my debt and harassing contacts and myself daily although they have been asked to stop calling. They were asked at contract signing to not call my references to collect a debt and they have still done so.
Product: Credit reporting

I am overly confused by the correspondence I have been receiving from not only your bureau, but the other XXXX bureaus also. I have a lot of items that are reporting inaccuracies, and your bureau has verified these accounts. I do n't understand how the disputing process works when you perform it, but I do believe you are doing something wrong on your end. Again, I am writing to dispute the following items to be DELETED from my credit report as soon as possible : XXXX XXXX XXXX Please investigate the late dates reporting on this account. The months you are reporting do not match my records. Please remove all lates from reporting on this trade line. 

XXXX XXXX XXXX Investigate the late dates reporting on this account. The months you are reporting do not match my records. Please remove all lates from reporting on this trade line. 

XXXX XXXX XXXX XXXX I do not believe I was late on the dates you are reporting. Please report the payment status positive and remove all lates from reporting on this account XXXX XXXX XXXX XXXX Investigate the late dates reporting on this account. The months you are reporting do not match my records. Please remove all lates from reporting on this trade line. 

XXXX XXXX I am requesting an investigation of this collection because the assigned date and date of last activity does n't seem right. Please remove this collection from my credit report.
Product: Debt collection

I have reached out to Wells Fargo multiple times about the account they are reporting on my 3 credit reports. They continuously fail to verify the account and failed to reply to my letter requesting full verification that they are reporting 100 % accurate.
Product: Credit reporting

There are XXXX negative reports on my Transunion credit report, name of the collection agency is XXXX XXXX. There are XXXX accounts in collections, XXXX for {$1100.00} and XXXX for {$520.00}. I disputed both reports and the final result dated XXXX XXXX 2016 was that both accounts have been verified and will stay on my credit report. That ca n't possibly be true because I received a letter from the original creditor, XXXX XXXX XXXX XXXX indicating my account has been satisfied dated XXXX XXXX 2016. I attached a copy of the letter for your review, kindly update my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Checking or savings account

On XXXX XXXX I called Discover Bank reporting that my debit card ending in XXXX was stolen and multiple unauthorized transactions and withdrawals were done using my debit card. The bank stopped the card and sent a new card. Gave provisional credit for some of the transactions and withdrawals. Ranging from {$1.00} to {$200.00}. Then the bank did a reversal of them transactions. Then on XXXX XXXX my debit card ending in XXXX was stolen by ex along with my phone, laptop and other very important personal information. Again multiple unauthorized transactions and withdrawals done using account and card Ranging from {$6.00} to {$190.00} new card was issued and provisional credit given and again a reversal was done with the credit given. New card was issued. On XX/XX/XXXX I was XXXX and placed in the XXXX XXXX XXXX XXXX till my release on XXXX XXXX. On XX/XX/XXXX I had a mild XXXX XXXX and was placed in the hospital till the XXXX. While in XXXX  or the hospital my motel room was broken into along with several others and money, my new phone and debit cards was taken. The camera 's at the motel was not working at the time of the break ins so there was no way to file a report because I couldn't identify any suspect or suspects. I called Discover reported the problem. Card was supposed to be shut off. New card arrived but somehow there was unauthorized transactions and withdrawals again starting XXXX XXXX till and unauthorized transactions stopped on XXXX XXXX. 
I sent Discover Bank all the documents that I had to send the documents were Documents from XXXX XXXX XXXX XXXX, the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX of the XXXX XXXX XXXX Texas multiple supporting letters and a document from the XXXX XXXX were I was staying and they denied the disputes saying I was held reliable. 
How can I be held reliable when everything was stolen from me and I was in XXXX and the hospital I had no knowledge of any of this or it was even happening and I didn't give authorization to anyone or business to use my debit card or my account information. 
I have became homeless because of this situation and plus had a XXXX XXXX and fighting XXXX XXXX XXXX XXXX and taking XXXX. 
This situation has caused me nothing but pain and gift and cost me {$3800.00} this is total money stolen from me.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX XXXX, XXXX, AND XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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. 

XXXX XXXX, XXXX XXXX, XXXX, AND XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I was absolutely shocked this morning when I saw inaccurate accounts on my credit report, and I have no idea why this is happening. I check my report regularly, but this time, I was alarmed to find discrepancies that came out of nowhere. I even tried refreshing my browser, thinking it might be an error, but the incorrect accounts didnt disappear. Because of this, Im urgently requesting that the documents Ive sent be carefully reviewed so that I dont have to worry about this again.