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

On XXXX I have conducted the payment in the amount of XXXX XXXX  from my account with XXXX XXXX account of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX  was an intermediary bank in this chain. On XXXX XXXX, XXXX  XXXX was designated under the XXXX XXXX XXXX. Considering this, my payment was blocked by intermediary bank on XXXX. On XXXX I applied to XXXX for a license to unblock my funds. On XXXX have received license XXXX authorizing JP Morgan Chase Bank to return the funds to the originator. On XXXX we tried to contact JP Morgan Chase Bank via XXXX from XXXX XXXX  informing them on the fact of issuance of the above mentioned license and asking them to return the funds to my account in non-sanctioned bank. Still, JP Morgan Chase Bank has not responded. Thus, I can not receive my money even having the license authorizing it
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme dissatisfaction and frustration with the persistent mishandling of my credit report by Transunion. The matter at hand involves numerous instances where my credit score has suffered due to unauthorized hard inquiries, particularly by XXXX XXXX, and subsequent inadequate corrections by Transunion. On XXXX XXXX XXXX I was alerted by XXXX and XXXX XXXX about changes to my credit report. Investigation revealed an unauthorized hard pull by XXXX XXXX, an action I neither authorized nor initiated. Despite immediately reaching out to Transunion the response was shockingly insufficient. My credit score decreased significantly. After requesting to dispute this hard inquiry with Transunion and offering to provide XXXX XXXXXXXX XXXX reference number ( XXXX fraudulent application with notes stating : closed application ), I was told the dispute can not be made over the phone. Thus, my credit score with Transunion has remained unchanged with the significant score drop. This pattern of losing more points than regained after unauthorized inquiries is a recurring and unacceptable issue. My credit score should have passed XXXX by now but because of the inaccurate Transunion reporting and the pattern of hard inquiries from the same XXXX XXXX, my score continues to suffer with Transunion. The proactive measure of freezing my credit file, which should prevent unauthorized inquiries, has proven ineffective against XXXX XXXXXXXX XXXX  persistent actions. This is a blatant disregard for my rights as a consumer and a failure in ensuring the security of my credit information. I only had the freeze temporarily lifted upon suggestion from a XXXX XXXX XXXX representative when I went to open a checking and savings account with them. Moreover, the reporting inaccuracies from Transunion have further compounded the problem. Examples of this are not updating my accounts accurately by not providing the correct monthly balance updates.This egregious error has had a severe impact on my credit score, hindering my financial plans, particularly my ability to proceed with a house purchase. I shouldn't have to constantly have to reach out to the CFPB to help me get my information corrected, updated, and protect my security. This is unacceptable. I have already let Transunion know that I have not requested credit from XXXX XXXX nor authorized this! I am in shock that Transunion will not allow me to dispute an account inquiry that I have not authorized and furthermore, given the proof provided to me by XXXX XXXX with the reference number stating it is fraudulent!!! This is unacceptable on the part of Transunion!! What is wrong with this picture?? I need the escalations department from Transunion to step in and do something about this
Product: Credit reporting, credit repair services, or other personal consumer reports

JP MORGAN CHASE REFUSES TO HONOR THE WORLD RDS OF THEIR EMPLOYEES WHEN THEY SAY WE WILL REMOVE THIS FROM YOUR CREDIT REPORT. THIS PAYMENT WAS FOLLOWED BY A PHONE CALL TO EXPLAIN I HAD JUST HAD COVID AND THATS THE REASON I WAS LATE. I ASKED FOR THEIR SUPPORT OF THE COVID 19 CARES ACT SINCE I CALLED AND COMMUNICATED THE ISSUES. ITS NOT LIKE IM LATE EVERY WEEK. INSTEAD XXXX TIME WITH COVID 19, WHICH MUST MEAN NOTHING TO THEM.
Product: Money transfer, virtual currency, or money service

Hello Hello - I sent a wire transfer over 3 weeks ago to COINBASE bank location. 
I am requesting the funds sent back immediately. 
They have not given me access to these funds.  They have not posted these funds to my account. 
They have not posted a transaction of this wire transfer. 
They refuse to acknowledge the situation. 
They refuse to respond From Account Number : XXXX Share : XXXX - BUSINESS CHECKING Name : XXXXXXXX XXXX  Email : XXXXXXXXXXXX XXXX Phone : ( XXXX ) XXXX Transaction Date : XXXX/XXXX/XXXX Amount : ( {$1000.00} ) Description : WIRE TRANSFER SENT TO THE FOLLOWING BELOW SENT TO : Coinbase Routing/ABA Number XXXX Account Number XXXX Recipient Instructions/Message XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was victim of identity theft and I filed a police report and sent it over to XXXX  twice in the last 60 day. XXXX  has yet to remove the information and I also heard nothing from the credit agency or data furnisher.
Product: Mortgage

To Whom it May Concer : Re : HSBC Mortgage Escrow Refund I found the attached check which has not been cashed when reorganizing my files. Unable to contact anyone at the former HSBC Mortgage Servicing company, XXXX or the company that acquired XXXX, XXXX via telephone or email. Unable to reach anyone at in Customer services, I sent two emails to XXXX Investor Services requesting their assistance in addressing this unclaimed check. Note : I tried to get assistance from the current HSBC Mortgage Servicing company, XXXX, However, they directed me to XXXX / XXXX. 

Any assistance you can provide would be greatly appreciated. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX ( H ) XXXX ( M )
Product: Credit reporting or other personal consumer reports

There are XXXX inquiries on my Transunion credit report that did not originate from me. 

XXXX is XXXX XXXX, on XX/XX/XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX, OH XXXX. Phone XXXX. XXXX type - individual, permissable purpose = written authorization. The phone number did not work when I tried to call. I did not request whatever this is. 

Second is XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX, XXXX, DE XXXX. Phone : XXXX. XXXX type : individual. I did not request any new credit of any kind from XXXX XXXX or XXXX Bank.
Product: Credit reporting or other personal consumer reports

I am a natural person, I am a living human being. I have rights under 15 USC 1681 Experian is govern by 15 USC 1681 and they violated my rights numerous times. I demand the accounts listed below be removed. According to 15 USC 1681 : I have the right to privacy and did not give Experian written permission to furnish these accounts. Accounts : XXXX XXXX XXXX Last reported XX/XX/2023 {$1100.00} Reported Past Due. Account Charged Off {$1100.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ----
Product: Payday loan, title loan, or personal loan

Company gave me a payday loan in the amount of {$950.00}. I have paid a total of {$1100.00} which includes interest that I was illegally charged. I missed one payment and was trying to work out a payment plan. In the course of trying to contact them, I discovered this company has no license to do business in California ; further I received correspondence from this company stating they do business from XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed an inquiry that I did not recognize nor authorize. 
NAVY FCU Credit Unions XX/XX/2021 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please substantiate your claims regarding information XXXX XXXX XXXX #  XXXX. transmitted to credit CRAs for me, XXXX XXXX XXXX, regarding a so-called account. Since reporting errors may be vis-avis that reported data, I formally request that you mail this validated information within 15 days. Additionally include documentation which shows thatXXXX   XXXX XXXX complied with every aspect of the Fair Debt Collections Practices Act or other applicable laws. This request is for more than just a summary without in-depth consideration. In lieu of that, I have asked for an in-depth verification. If you can not forward these materials within 30 days, details disseminated from XXXX XXXX XXXX to the credit bureaus should be deemed discrepant and may indicate XXXX XXXX XXXX XXXX desire to ignore consumer protection law. Given that occasion, remove such bureau items upon your next transmittal.
Product: Credit card or prepaid card

Well this month on XX/XX/XXXX of 2023 I was logged out of my chime account because my phone had broke. So from beyond that point this whole month I had been back and forth with the company trying to get my account back because I still have money on my account, anyways I called the company and everytime I call them for my account I have to verify it's my account when I do all the steps it says I have to do it all over again. Chime customer service didn't help with the account I've tried to speaking to someone in command but everytime I do get on a phone call with a supervisor they would tell me I have to redo the steps. I have bills too pay and I know that I have money on my account but it's just the fact that I have money on my account and I don't know if my money is being used or not plus my taxes are coming in and it's sent to my chime account so I would be having a total of $ XXXX {$5000.00} I need help please help me out. Thank you for reading this and helping me out with my problem. P.S. The phone number associated with my account hasn't been in use for approximately 3-6 months
Product: Credit reporting, credit repair services, or other personal consumer reports

On my most recent credit report from XXXX, I noticed that the XXXX, XXXX, and XXXX accounts from XXXX  were reported by both XXXX and XXXX XXXX XXXX. This looks like 6 delinquent on my report. The accounts were fraudulently opened anyway, but its even worse that its been reported double.
Product: Credit reporting or other personal consumer reports

Please see outlined issue ( s ) below : Improper Handling of Reported Fraud Claim Misapplied Payment ( Date ( s ) Inaccurate ) On XX/XX/2024, I made an outbound call to XXXX at XXXX. I advised rep of Stolen Card and Identity. I also advised that the suspect had been apprehended. The rep escalated the call to the Fraud Division, who was not very helpful. I subsequently called back on XX/XX/2024, to report the same issue. Again, no representative was willing to remedy the situation. I finally contacted on XX/XX/2024, where the Fraud Supervisor reversed the late payment and returned check fees, and also logged the fraudulent charges It was then that I emailed the supporting documents : Police report Arrest Report Property Recovery Report I was assured that the matter would be handled. I made a {$120.00} payment on XX/XX/2024, via the web portal. I received confirmation via email stating that my payment would not process until XXXX XXXX. This was not my request and was incorrect. As I did not receive said email until XXXX XXXX PST, I was not able to call Customer Service to rectify ( they were closed ). I called Customer Service on XX/XX/2024, to ensure I would not be adversely affected by the system issue ( XXXX states my account is past due when it is indeed current ), and was met with hostility, lies, and slander. The reps state that I did not submit fraud claim until XXXX XXXX whereas I have documented email and call log proof.
Product: Credit reporting or other personal consumer reports

There are multiple unauthorized uses of my credit report that I did not approve or make, I have no association with these accounts that were trying to be opened. 
XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 Equifax XXXX XX/XX/2023 Equifax
Product: Credit reporting or other personal consumer reports

Ive identified errors in my credit report under 15 USC 16c-2, as some hard inquiries were made without my consent. Please delete these unauthorized inquiries promptly.
Product: Mortgage

I have a current HELOC with VyStar CU and I have a small balance on my HELOC in the amount of {$8300.00}. I made a payment from my primary bank to the HELOC at VyStar CU in the amount of {$340.00} on XX/XX/year>. This payment has never been applied to my HELOC and has not been returned to my primary bank either. 
At this point I have attempted calling VyStar CU multiple times through the contact center. However, the customer service reps at the contact center have to transfer me to the mortgage department where I have been on hold for over XXXX min each time and never reached anyone. I have called XXXX separate times all leading to the same thing, very long wait times and no representative to help me with my ACH payment on my HELOC. 
I have attempted to log into my online banking and can't access the HELOC at all and I attempted to contact VyStar through the XXXX the chat option available within the online banking and they indicated they could not help and that I would need to call the mortgage line. Because I have attempted 4 times all leading to no resolution and no representative to take my call I was forced to file the complaint in regards to my {$340.00} payment.
Product: Mortgage

I bought a house in XXXX XXXX with an FHA mortgage. In XXXX XXXX, my mortgage was resold to Freedom Mortgage Corporation. Every month a portion of my payment to Freedom Mortgage is escrowed and they are responsible for paying my property taxes. 

In summary, my property taxes were due to the City of XXXX by XXXX XXXX, XXXX and as of XXXX XXXX, they have not yet been paid. I have spent over three hours on the phone with both Freedom Mortgage and the City of XXXX revenue department ( which is not at fault in any way and is trying to help me through this process ) to resolve the situation. 

Here 's a chronological list of the steps taken : XXXX XXXX - I received a tax bill from the city and called XXXX Mortgage to notify them. On this call they told me they received a copy of the bill and it was scheduled for payment by the due date of XXXX/XXXX/XXXX. 

XXXX XXXX - I received a notice, dated XXXX XXXX, from the city stating the tax bill was delinquent and interest had been added. 
- I called Freedom Mortgage about the delinquency. They told me a check was mailed to City of XXXX on XXXX XXXX and advised me to call the city. 
- I called the city, which instructed me to get a copy of the check sent by Freedom Mortgage so they could try to track it down and as proof that a payment attempt was made. 
- I called Freedom Mortgage a second time and requested a copy of the tax payment check. The customer rep told me that my record showed the payment never reached the city because it was returned, and if the last customer rep had scrolled down my record they should have seen that. They then told me to send an email to XXXXXXXXXXXX to formally request a written statement that my check had been returned, so I could pass the statement on to the city to avoid further penalty and going to collections. This conversation was the first time I was able to get an email address for Freedom Mortgage, they do n't publish one on their website. 

XXXX XXXX - I sent an email on XXXX XXXX requesting the written note about the check being returned. 
- I received a second delinquency notice from the city, dated XXXX XXXX and stating the bill was still delinquent and more interest had been added to the amount due. 
- I called Freedom Mortgage a third time on XXXX XXXX to request a written statement, stating when the payment would be made and the payment amount. I spoke with XXXX customer reps and both told me they were unable to send me anything in writing. They told me a check was initiated on XXXX XXXX and " the process would be complete '' by XXXX XXXX, so to follow up on XX/XX/XXXX to make sure it was complete. 

Please help. Freedom Mortgage is 6 months overdue on my tax bill. My name and property are tied to delinquent tax balances on XXXX public property and tax websites. My past due tax bill has now gone to a collection agency, jeopardizing my credit. Freedom Mortgage will not send me anything in writing either explaining where things stand or affirming that proper action is being taken, which leaves me to rely on their verbal word - which has proven to be untrue at every interaction thus far.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing an unknown address From Alabama I have never resided there or any other place outside of North Carolina nor did I have prior knowledge of the fraudulent address or activity Date reporting XX/XX/2020 FORMER XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute late payment entries that appear on my credit report for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} The report indicates that late payments were made on these accounts. However, I have reviewed my records and can confirm that all payments were made on time. I am requesting that the late payment markings on these accounts be updated to reflect my accurate payment history. 

If there is any confusion or if additional information is required to resolve this issue, I suggest you contact me directly or reach out to the customer service department
Product: Credit reporting or other personal consumer reports

Kovo popped up on my credit report out of nowhere, Ive never done business with this merchant, dont need their services, and did not convent to the authorization to opening this account it is a fraudulent account opened by identity theft
Product: Mortgage

We have tried a number of times to come to some type of solution to save our home from foreclosure. When they initiated the foreclosure were were only {$10000.00}. in arrears.

We tried to make payment arrangements. We tried top do a forbearance. We tried everything we could to avoid foreclosure. We had an attorney who to our knowledge was familiar with the foreclosure process but did not represent us in the manner in which we wanted. Leaving us in a very bad situation. We have overcome our hardships and we have money saved to workout a solution to save our home. Please help us save our home from foreclosure. We have XXXX  ( XXXX ) small children under the age of XXXX. We need our home for our children. We are both working and do have savings to pay ourm mortgage.

Thank You
Product: Credit reporting or other personal consumer reports

I have not been able to satisfactorily settle this matter with the CRAs. I have a late payment on my XXXX XXXX Credit Card. I have never been late. This is an error. The account number is XXXX and the date is XXXX of 2023. This is not the only error on my account either. There is inconsistencies throughout my report. For example : The Date Opened is inconsistent across all 3 bureaus. The High Credit is inconsistent across all 3 bureaus. The Last Reported is inconsistent across all 3 bureaus. The Date Last Active is inconsistent across all 3 bureaus. Finally, the Date of Last Payment is inconsistent across all 3 bureaus. I have provided documentation of this.

My rights according the the FCRA and 15 U.S.C Code 1681e -Compliance Procedures- is to at a very least have 100 % accurate and consistent reporting to my consumer file.
Product: Student loan

My loans with Navient total XXXX I was able to pay them at first but then they kept raising my payment which put me in a situation were I was always having to ask for a forbearance not knowing that this is the reason why my payments kept going up. I get harassing calls from them about my loans and when I do speak with them about the forbearance they say that they are going to send me information but I never get it. They take mine and my husband state income tax every year if we do get something back from the state which then hinders our household. Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax apparently does not feel it's necessary to comply with current regulations regarding providing free credit reports to citizens. 

After filling out a request for my free credit report at annualcreditreport.com and requesting my Equifax credit report I was redirected to an Equifax page that said to please call them without providing a phone number ( screenshot attached ). I waited a month and tried again to the same effect. After locating their phone number I called Equifax about this : they informed me that I could only order my free credit report through them directly, and that I could not access my free credit report through any other website ( including annualcreditreport.com ) This is in blatant disregard of the federal mandate. 

Per the FTC website : https : //www.consumer.ftc.gov/articles/free-credit-reports " '' The three national credit bureaus have a centralized website, toll-free telephone number, and mailing address so you can order your free annual reports in one place. Do not contact the three national credit bureaus individually. These are the only ways to order your free credit reports : visit XXXX call XXXX complete the Annual Credit Report Request Form and mail it to : Annual Credit Report Request Service XXXX XXXX XXXX XXXX, GA XXXX " ''
Product: Payday loan, title loan, or personal loan

The company has sued me but I dont have any paperwork and there is no collections. I am getting calls from attorneys telling me that they did this. 

I called the company and told them there was identity fraud in a business account. 

They did not want to work with me. 

They have left no messages on my voice mail and this isnt in collections. 

They are using unfair practices to collect debt. 

The last letter I have from them is in XXXX and its from Mariner. 
I called and the branch manager refused to help.
Product: Credit card

I was calling to follow up the abnormal hold on my account due to the delay of 4506-c. However, the customer service person called XXXX was yelling at me via the phone and said if I talked to another representative Ill get the same answer. When I called them again, they directly hung up my phone which made me felt disrespected as a customer. Also, since I signed the consent of 4506-c via Discover, I do have the right to know information about the process from them. But they refuse to assist with me with an unfriendly gesture which made me felt disappointed. While my card is still held, I got credit record reported from them to XXXX, so I do think they have the responsibility to take care of whats going on.