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

On XX/XX/2024 at XXXX XXXX XXXX I tried to transfer money via Bank of America XXXX payment app to XXXX XXXX XXXX XXXX  for {$1000.00} ( Conf # XXXX ). By mistake It went to another person because the cell number I typed in was wrong by one digit. 

Bank of America unable to credit it back or help from their end saying that everything was done correctly at their end. Eventhough the name I typed in was not used by the bank to verify the name of the account where the money went to, bank unable to provide any info on the person who actually received the money. 

I feel like Bank of America 's XXXX app service not providing enough information for user to verify before secure transfer on their website. It is not providing any security or assistance for any software related issues resulting in correct transfer of money.
Product: Mortgage

We experience a medical hardship at our house last year.. My husband and I were hospitalized, i needed a XXXX and my husband had a XXXX, this situation leaved us with medical bills plus additional expenses. We were current paying our mortgage but we needed assistance because the medical expenses were really high. I called our Mortgage company ( Nationstar Mortgage ) XX/XX/XXXX/XX/XX/XXXX for assistance, according the website or mail information they offer assistance in case this situation. The only option that they offered me was a repayment plan, it sounds good but I was told that they needed to report with the credit buro so i told them this option is not possible because I have worked to have a good credit and not possible, so I told them that in this case my only option was to be delay on my next payment and in the next months I will become current. they said ok, but they not only charged me Usd XXXX per month but also they reported me with the credit buro. Not sure if the reasson that was n't clear is because they want to charge the late fee. I called them and they said that they are really sorry, my credit was affected, XXXXpoints less, all credit cards started reducing my credit, increasing my interest, or closing credit cards. I am current now but the damage is done. I have asked them to listen to the conversation and communicated this to credit offices. I was behind 30 days all the time and now i am current but this does n't help to bring my points back. Please kindly assist with the situation, they offer / advertise assistance however, when i called I di n't receive anything and i trusted them and proceed based on the given information but i was affected. i have all documents from the hospitals and medical bills. i am asking to fix the information error with the credit offices taking our 30 days late plus late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hello there and good morning, I am reaching out to you because last year back in XX/XX/2020, I was receiving some funds through Venmo for some good I was selling, I did transfer funds to my bank account twice and they were deducted from my digital wallet but the funds were not deposited into my bank account neither returned to my digital wallet, besides that, there was a total balance including these two transfers of {$3200.00}, Venmo decided to freeze my account and keep the funds for 180 days, as the time is due, I am still expecting my funds to get back to my account. but instead of that, Venmo did reverse a couple of payments and has awarded a dispute to another user to which I was never asked to show any evidence of the agreement made between these users and I. I have contacted Venmo regarding my funds because once they have unfrozen my account, there is a balance of {$37.00}, I asked them were my funds are at, they say I have to contact the customers because the funds were never in my account, i explained to them that if someone has disappeared the funds is Venmo because it's clear and there is evidence they were in my digital wallet and transferred to my bank account but they were deducted or transferred and never got back of managed to be transferred. I need to get help with this matter as it's been more that 180 days and they still not responsive at all I have bills unpaid and rent to be paid because of this delay. I have the transfers history of my digital wallet also as the conversations between the other users and I where they agree to transfer the funds to me. 

Look forward to hearing from you soon, Kind regards
Product: Credit reporting or other personal consumer reports

I have made repeated attempts to address the issue of unauthorized inquiries on my consumer report, but the problem persists. These inquiries are entirely unrelated to me, and I am not responsible for them. Their presence has caused me considerable mental anguish and financial hardship. As an identity theft victim, I may need to resort to legal action if this matter isn't properly resolved. These false and fraudulent entries have prevented me from purchasing my ideal home and meeting my family 's needs, significantly impacting my financial situation. For your reference, I've enclosed a copy of my previous letter to the Federal Trade Commission ( FTC ) detailing this issue and requesting resolution.
Product: Debt collection

XXXX has a fraudulence case against defendant and garnish wages-false notice of rights for defendant to dispute the case at the time of an alleged judgment. 2 courts can not verify debt to tell defendant what credit card XXXX is garnishing defendant wages for. lawyers could not know what credit card in question XXXX are garnishing defendant wages for. credit card account information in document to garnishee is unknown. XXXX used improper service and correspondence to have an alleged judgment against defendant. defendant did not receive valid information to verify debt as XXXX wants to collect incorrect amount of money from defendant. Defendant learned such garnishment from Garnishee and after money was subtracted from defendant paycheck. XXXX is in violation of FCRA ( fair credit reporting act ). Attorneys of XXXX  are using misrepresentation to have an alleged judgment and to garnish defendant wages and these, I believe, are violations of FCRA and of sensitive security information that is controlled under 49 C.F.R. part 15 and 1520. Please, CFPB stop XXXX and this garnishment to protect consumer.
Product: Payday loan, title loan, or personal loan

This company is up to their tricks again. Reported twice on my credit report late when I paid off this loan from what I borrowed. 

I also believe it's a retaliation of all of the call complaints I filed against this company. 

PLEASE SHUT THIS COMPANY DOWN. They are thieves. I financed {$2900.00} and they wanted me to pay back {$6200.00} approximately. This company is worse than a payday loan. 

SHUT THIS COMPANY DOWN.
Product: Credit reporting or other personal consumer reports

I am writing to provide an update on my ongoing efforts to remove fraudulent items from my credit report. Despite multiple attempts, these inaccuracies persist, and I am seeking further assistance to address this matter. I have diligently pursued the removal of fraudulent items from my credit report. I have submitted disputes, provided extensive documentation, and engaged with creditors and credit reporting agencies to rectify this issue. However, to my dismay, the fraudulent items remain on my credit report, negatively impacting my creditworthiness and financial standing. 
These persistent inaccuracies have caused significant stress and hardship. It is crucial that these issues are promptly addressed to ensure the fair and accurate reporting of my credit history. Furthermore, I request transparent communication throughout the resolution process and regular updates on the progress of the investigation. 
Restoring confidence in the accuracy and reliability of information reported on credit reports is essential. With this, I am asking for your assistance to remove the fraudulent items : 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
Product: Mortgage

We applied and were pre-qualified for a mortgage with Santander bank. While in underwriting the underwriter ( XXXX XXXX, Santander Credit underwriter III ) decided that my wifes income from XXXX would not be allowed and demanded an additional 10 % down to issue the mortgage ( taking us to 20 % ) He additionally refused to give credit for my annual bonus due to being with a new company, even though i have over a decade of bonus history. He refused to give even a pro-rated amount for my wifes ' earning potential even though she has 20+ years of earning history. I have over 15 years of bonus history. Due to his exemptions of our income, the calculations put us at a 42 % gross income to mortgage ratio ( 2 % above the threshold for a 10 % down loan, requiring we step up to 20 % down ). This feels purposeful and predatory. 

While this was going on we expended several thousand $ of inspections fees, appraisal fees and a lease break on our apartment. Sum total {$11000.00} and are now on the hunt to find a new place to live. ( And our credit scores were negatively impacted ). 

They did not provide a disclaimer that they would refuse to accept my wife income ( due to it being from another state ), nor my bonus when we signed up to work on this mortgage with them.
Product: Debt collection

XXXX XXXX XXXX from PRAXIS FINANCIAL SOLUTIONSXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX has repeatedly called my place of employment even after being informed not to call my place of employment. 
XXXX XXXX fails to identify himself as a debt collector and just gives his first name and asked to talk to me. 
I informed XXXX XXXX that we had already informed him that he was not to call my place of employment, he denied ever calling my job before. 
XXXX XXXX will not inform me what he is calling about unless I disclose personal information which I am unwilling to do to anyone over the phone. 
XXXX XXXX manner conversation manner is to talk over you and to repeatedly ask you for the same information, he will get a very aggressive tone as to try to intimidate you into complying with his demands.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have an account opened on my credit report that does not belong to me and is being reported as negative on XXXX, TransUnion and XXXX. 

The account is as follows : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX The account has been closed as of now, but it was never opened by me. 

I have tried to ask XXXX, TransUnion and XXXX to remove it from my Credit Report as it's affecting my credit history negatively. I have sent them XXXX letters asking them to remove the negative information from my Credit Reports. There is a completely illegitimate address also associated with that account, which furthermore shows I have not opened this account and the Creditor has not provided any proof of the card application or anything with my signature.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Formal Complaint Against Experian for Failure to Correct Inaccurate Late Payment Reporting To Whom It May Concern : I am writing to formally file a complaint against Experian for its ongoing failure to correct inaccurate late payment information reported on my credit report for account XXXX XXXX XXXX XXXXXXXX. Despite submitting multiple requests for correction, dated ( letters dated XX/XX/year> ), no changes have been made. This inaction not only disregards my right to accurate reporting but also violates both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), which mandate timely and precise updates to consumer credit files.

FCRA Violations : Under 15 U.S. Code 1681i, credit reporting agencies are mandated to ensure the accuracy of information within consumer files. The continued reporting of incorrect late payments on my account breaches this requirement. Furthermore, according to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on this account suggests a failure to comply with this statutory requirement.

TILA Violations : The Truth in Lending Act emphasizes the necessity of accurate and timely disclosures to consumers. The misreporting of late payments on my account has directly harmed my creditworthiness, which TILA aims to protect. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces creditors ' responsibility to provide timely statements, preventing unfair penalties to consumers. The inaccurate reporting of late payments on this account violates this protection and has unjustly impacted my financial standing. 
Payment History Discrepancies The account XXXX shows recurring inaccuracies across XXXX, Experian, and XXXX credit reports, specifically related to late payments. Each bureau reports multiple 30-day, 60-day, and even 90-day late payment entries, despite the account being closed, fully paid, and having a {$0.00} balance at the time. These errors persist across all three bureaus, affecting my credit profile negatively. Lack of Resolution Since Previous Dispute Despite multiple disputes submitted to Experian, each bureau has continued to report these errors without any corrective action. This inaction has resulted in prolonged harm to my creditworthiness and breaches both FCRA and XXXX. 
Desired Resolution Immediate Removal : I am formally requesting the immediate removal of all inaccurate late payment notations from my credit report, including assurances of corrected and accurate reporting across all three bureaus. 
Written Confirmation : Please provide written confirmation of these corrections once the inaccuracies are removed. 
If this matter is not resolved promptly, I will consider escalating my complaint, including potential legal action and further complaints with appropriate consumer protection agencies. 
Thank you for your attention to this matter. I look forward to a swift and accurate resolution. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE THIS UNCONFIRMED INQUIRY LACKING CERTIFIABLE EVIDENCE UNLESS PHYSICALLY CERTIFIED VERTIFIED PROOF IS DEMOSTRATED PER U.S. CODE 15 U.SC 1681 ET SEQ. SECTION 604 OF FAIR CREDIT REPORTING ACT. ONCE YOU HAVE FULFILLED MY REQUEST, MAIL ME AN UPDATED CREDIT REPORT REFLECTING THESE CHANGES! 


I AM SHOWING 5 INQUIRIES I DID NOT APPROVE, MY ACCOUNT IS SUPPOSE TO BE FROZEN TO AVOID FRAUD, HOW IS THIS STILL EVEN CATCHING INQUIRIES? 

XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 2022 I submitted complaint CFPB XXXX which outlined that a collections agent had ceased collection on an account effective XXXX XXXX 2022. I provided a copy of the statement given by the collections agent in CFPB complaint XXXX. The statement is clear in that is states the collections agent " has ceased all collection efforts. '' It is even highlighted in the response. Despite having this documentation, Experian insists that a dispute was received in XXXX and the collections agent verified the account is under collection with the collections agent and thus the item can not be removed from my credit file. It is likely Experian is using the automatic verification through eOSCAR, rather than conducting any sort of investigation. Even more ridiculous is that at least XXXX other CRA conducted an investiation and removed the collection item based both on the documentation I provided AND the response received from the collections agent. In addition to the response from the collections agent in XXXX. In prior complaints, such as XXXX I provided documentation indicating the collections agent is NOT licensed to collect in my state and is currently under investigation by the state licensing agency. To that documentation I also submitted the XXXX XXXX opinion on WHAT constitutes collection activity, ie activity that in my state would require licensure. That opinion was quite clear in that a collections agent that submits items to be included in a consumer 's credit file constitutes communication in collection of an alleged debt, Because reporting a debt to a credit reporting agency can be seen as a communication in connection with the collection of a debt, the reporting of such a debt in violation of the provisions of 1692e ( 8 ) can subject a debt collector to liability under the FDCPA. Sullivan v. Equifax Inc., Civil Action No. 01-4336, ( E.D. Pa. Apr. 19, 2002 ). My state requires that collections agents both register as foreign entities if they are not organized/incorporated within my state, and additionally requires them to be licensed by the state agency that regulates collections activity in my state ( see MCL 339.019 ( 1 ) ( b ) ). Again, the documentation I provided showed both the initiation of an investigation AND the state records indicating the collections agent is not licensed within my state to collect on alleged debt. Based on all the documentation provided, XXXX knows, or should know that the collection item in my credit file is invalid. As consequence XXXX is in violation of 15 U.S.C. 1681.
Product: Bank account or service

I WAITED LITERALLY XXXX MINUTES ON HOLD TO SPEAK TO SOMEONE ABOUT MY ACCOUNT TONIGHT XX/XX/2015 AND LITERALLY WHEN THE WOMAN CAME ON THE PHONE, I POLITELY COMPLAINED THAT 16 MINUTES WAS FAR TOO LONG TO WAIT FOR ANYONE, AND SHE RUDELY AND SIMPLY HUNG UP ON ME, CAUSING ME TO HAVE TO NOW CALL IN AGAIN  AND RE-VERIFY MY ACCOUNT, AND NOW I AM ON HOLD AGAIN. I ANTICIPATE ANOTHER WAIT HOLD FOR XXXX MINUTES FOR A VERY SIMPLE QUESTION COSTING ME MORE THAN XXXX MINUTES OF MY PRECIOUS TIME AND DAY. I BILL XXXX, WILL TD BANK OR THIS WOMAN COMPENSATE ME FOR THIS LOST UNNECESSARY TIME SPENT CHASING TD BANK DUE TO ITS RUDE CUSTOMER SERVICE REPS THAT NEED TO BE EITHER RE-TRAINED/TERMINATED FROM EMPLOYMENT? I AM NOT A DOG AND I DON'T NEED TO BE XXXX TRAINED OR BEHAVIOR-MODIFIED BY THESE UNFRIENDLY AND RUDE CUSTOMER SERVICE REPS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in process of refinancing my mortgage. I had to unfreeze all 3 credit reports ( XXXX, XXXX, & Experian ). This was easily accomplished at XXXX  and XXXX but I'm finding it impossible to accomplish at Experian. 

I was directed that my request couldn't be completed and I had to send physical documents to their facility in XXXX, TX, which I did. I had to overnight them as this is time sensitive which of course costs money. 

I understand identity fraud is a big problem and appreciate them taking care to make sure it's me, but not being able to get my credit unfrozen is not acceptable. 

They received my documents yesterday ( XX/XX/2021 ) with a letter explaining what I needed done and all documents they requested included. I also asked that someone please call me directly. 

I have tried every number and form they have listed and can not talk to a human being no matter what I do. I believe they shouldn't have the power to stop me from refinancing my mortgage.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX bureus consumeXXXX report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX Balance {$12000.00}
Product: Credit reporting or other personal consumer reports

I have checked my credit report today something i dont due often and I have two hard inquiries on my report. XXXX : XX/XX/XXXX for XXXX XXXX XXXX  XXXX : XX/XX/XXXX from XXXX XXXX XXXX neither are of anything i know about and im not sure which of the XXXX listed credit bureaus ran the report
Product: Credit reporting, credit repair services, or other personal consumer reports

Misleading false reporting, this account is negligently and inaccurately reporting failing to comply to USC 1681. Being that XXXX and XXXX have deleted this account from my consumer report you must do the same as well. I have included proof from XXXX that this account has been deleted with them. Please delete this account from my consumer report immediately!
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

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