23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I 've had a Direct Express Debit ( MC ) Card for 2 1/2 years ( only VA & SS benefits can be deposited on this card ). On XXXX XXXX, XXXX, my card was hacked and {$1000.00} was removed. I informed the card Fraud Div. of this on XXXX XXXX, XXXX, immediately after learning of this incident. And, I immediately returned the fraud papers ( the same day ), they sent to me to fill out. I was told ( via phone call ), they would deposit the lost money to my card upon receiving my returned fraud papers, which happened many weeks ago. To date ( XX/XX/XXXX ), the money has not been returned to my account.
Product: Credit reporting or other personal consumer reports

I filed complaints about false information appearing on my credit report with TransUnion, XXXX, and XXXX. I informed them of the infractions they were committing on my consumer report and provided a list of the accounts. They haven't responded in more than sixty days. Copies of every letter sent are attached below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some body stollen my information
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 


I would like to bring your attention to the following fraudulent accounts on my credit report : Account XXXX : Creditor Name : [ Wells Fargo ] Account Number : [ XXXX ] Date Discovered : [ XX/XX/2023 ] Amount in Collection : [ {$300.00} ] Account XXXX : Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Date Discovered : [ XX/XX/2023 ] Amount in Collection : [ {$820.00} ] Account XXXX : Creditor Name : [ XXXX XXXX XXXX XXXX  ] Account Number : [ XXXX ] Date Discovered : [ XX/XX/2023 ] Amount in Collection : [ {$2600.00} ] Account XXXX : Creditor Name : [ XXXX XXXX / XXXX XXXXI ] Account Number : [ XXXX ] Date Discovered : [ XX/XX/2023 ] Amount in Collection : [ {$2600.00} ] Credit Inquiries : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Wells Fargo promised the ability to extend a 0 % introductory interest rate with ontime payments. A payment in XX/XX/22 was mis-posted by them. They agreed that it was an mis-posting and waived the late charge. They have agreed thee ( 3 ) times to extend the interest free period but seemingly refuse to do so.
Product: Debt collection

In XX/XX/XXXX Global Asset Agency added a XXXX item to XXXX credit report. Global asset agency but did not provide me with any prior notice regarding the debt. which would have allowed me to dispute the debt/ ask for validation. In XXXX XXXX I received notification that Global asset recovery added an item to my XXXX report without providing me with a written notice regarding the debt.
Product: Credit reporting or other personal consumer reports

I been disputing this negative accounts for several monthly it's been a month and I never received any response for the 3 bureaus. Please review and take action regarding my dispute. Here 's the list of negative accounts I want to delete XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX {$190.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00}
Product: Checking or savings account

This complaint involves PNC Bank, Check XXXX Act, substitute checks and my Treasury check. I deposited 3 checks in to PNC which were drawn on my XXXX XXXX XXXX account one on XX/XX/XXXX for {$50000.00} XXXX on XXXX for {$10000.00} and one on XX/XX/XXXX for {$260000.00}. I received substitute check for each of them from PNC Bank which stated This is a LEGAL COPY of your and that I could us it as the original but on the substitute check is stamped ALTER/FICT which came from PNC Bank . I redeposited the checks for {$50000.00} and {$10000.00} which have not been deposited into my account because they are saying it's fraud and they are looking into them. I did not redeposit the check for {$260000.00} do to the fact of them saying the first two were fraud but they are claiming that the same applies to this one as well. In the mean time PNC has sent correspondence that these funds have a 5 or 10 day hold on them but nothing has been released. On XX/XX/XXXX I deposited my United State Treasury check into my PNC account for {$410000.00} and I am receiving the same run around but on XX/XX/XXXX after talking to one of the PNC Case Worker 's whom I had been communicating with about these matters, he told me that Treasury fund was verified not valid. After questioning him I asked to email me the site he used so he did, .which is the Treasury Check Verification System which I did. I put in all the information it asked for and it stated " Check Verified Status : Paid ''. I called him back and told him what the XXXX system stated, I even gave him the information that I put in, he took a few minutes and said I ( him ) must put some information in wrong and yes it does say Verified, Paid and he was going to check in with fraud department who was holding my deposits and would get back to me. Instead of waiting for him to call me back I called him back and was met with, the fraud department was concerned with the account, that they wanted to make sure that it was my name on the check, he was asking about my XXXX account and that none of the funds were going to be released. I did inform him that I was going to notify the CFPB, the Treasury, the IRS and the Comptroller of the Currency. This is ridiculous even after I proved to him what the XXXX showed. I know all of the conversations between me and him were recorded and I believe that PNC is stalling to pay me so the PNC can claim all of my funds. I am certain that after so many days and the funds are not applied to my account that PNC Bank could claim them. Also as of XX/XX/XXXX PNC Bank has had my funds for 14 days and I know that it does not take that long. With two of the three substitute checks they are so blown up that information is missing, they were sent to me this way by PNC Bank so is this ALTER/FICT on their ( PNC Bank ) part, as one of the points on Check XXXX Act is that the substitute check are the similar in size to the original checks with a slightly reduced image of the front and back of the original check. as you can tell two of the checks are not...
Product: Mortgage

Thanks for the response, however I did not receive the check reissued in my name, dated XX/XX/2020 in the amount of {$3800.00}. All checks were reissued with the exception of this one, check number XXXX. It was returned to escrow when that check should have been reissued in my name, XXXX XXXX. Please assist. Why was that check not reissued to me? Please refer to complaint # XXXX where this was never addressed and resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote certified letters to all three bureaus to remove all inacurrate data XX/XX/XXXX and todate nothing. I called experian on XX/XX/XXXX to get answers as to why my scores not updated and errors not removed and the agent said it takes 6 months for them to make changes on my report so i just need to wait. 
I am escalating as i know it should not take over 30 days to get results or responses from bureaus. Can you help me please Thanks
Product: Credit card or prepaid card

My Comenity-XXXXXXXX XXXX XXXX credit card was charged from XX/XX/XXXX to XX/XX/XXXX for purchase of " XXXX XXXX XXXX XXXXXXXX XXXX. The first transaction was on XX/XX/XXXX in the amount of {$1.00} than 11 transactions on XX/XX/XXXX with each {$49.00}, five transactions of each {$49.00} on XX/XX/XXXX. One more {$1.00} transaction on XX/XX/XXXX, 6 transactions of each {$49.00} on XX/XX/XXXX, 6 more on XX/XX/XXXX each {$49.00} and 6 more on XX/XX/XXXX each {$49.00}. 

The total purchase was made in the amount of {$1700.00} without our knowledge. 
I've not used my this visa card after XX/XX/XXXX. This is not my primary credit card. 
I've filed complain to the Comenity credit card company and they've filed dispute in XX/XX/XXXX. 
Now, it is more than 90 days but not heard from the Comenity dispute department. 
However, I am receiving statement including interest every month which is damaging my credit report. 
Last week, I've wrote them letter to check status of my complaint. 
I will be greatly appreciate for any assistance. Thank you for your time.
Product: Checking or savings account

My account from US Bank was closed on approximately XX/XX/year>. I called to see when i could expect the funds which is a total of roughly {$12000.00}, i was told i would revieve them in 30 days. i waited and did not get a response. 
I called again about XXXX weeks later to get an update and was told my money was being held because the money was not mine. 

I was told to go into my local branch in XXXX, CA. So i did, the branch manager then told me a needed proof that the checks i deposited into my account was intended for me. 

I attempted to show the manager that i did work for the owner of this company, they then told me i needed to provide a XXXX document to prove i worked for this company, I didnt have it at the time. 

Days later i was able to retrieve a XXXX form, i then was told that the document wasnt enough and that i needed more proof and didnt accept the document.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance Owed : {$210.00} ; XXXX XXXX Balance Owed : {$210.00} ; XXXX XXXX Balance Owed : {$640.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$890.00}.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an issue related to 15 U.S. Code 1666b. This code stipulates that 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 specific measures. 

I have observed that XXXX XXXX XXXX  reported a late payment on my credit report, and I believe this may be in violation of 15 U.S. Code 1666b. The code ensures fair treatment of payments and prevents unjust penalties. 

I kindly request your assistance in investigating this matter and ensuring that XXXX XXXX XXXX  complies with the regulations outlined in 15 U.S. Code 1666b. 

Thank you for your attention to this matter, and I appreciate your efforts in safeguarding consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, born XX/XX/1975, with mailing address of XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. 

Someone seems to have created an account on your site, frauding as me, and has changed my age from 46 to 58 online, and destroyed my credit. 

I have sent credtified letters, and called many times. Your team does NOT help. They are nice, but repeat same double talk. 

I dont know who created the account, with what email, but they have ruined my life
Product: Mortgage

My loan was transferred from Cashcall/XXXX to XXXX XXXX XXXX, however the loan amount transferred was incorrect. I have reached out to both companies but have not received a corrective action. 

The transfer occurred on XX/XX/19 the correct amount of the transfer is {$180000.00}, however XXXX XXXX  XXXX is showing a transfer amount of {$180000.00}. 

Both companies are blaming the other and pointing fingers and I'm caught in the middle, I'm seeking your assistance in resolving this matter.
Product: Credit card or prepaid card

XX/XX/22 the amount was {$770.00}. I went to get a money order at a currency exchange. And the computer froze mid transaction. Somehow the money is out of my account but they couldnt find or see the transaction on their end. They suggested I call my bank/prepaid card to credit it my money but they wont. They have me jumping thru hoops saying I need to send a email providing more information. Then they said not an email you must send a letter. They keep making up new stuff. As you can see From the pictures I sent. They havent credit me the money
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any items in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received notification that a late payment was reported to my credit report. XXXX took a hit more than XXXX and XXXX XXXX. I contacted the lender Honda Financial Services XX/XX/XXXX and the representative said I dont show no late payments on their end and that they didnt report a late payment to which I stated thats credit reports show Honda financial as the reporting lender. The representative sent me a copy of my payment history stating I was never late more than XXXX days. My car was declared total by insurance. 
XXXX financial received payment : XX/XX/XXXX XXXX payment due XX/XX/XXXX XXXX warranty refund XX/XX/XXXX XXXX XXXX insurance pay XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX my payment
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is with Experien. My credit scores have improved over the years with XXXX and XXXX but NOT with Experian! How is that even possible? I recently had 2 Collection Accounts removed and immediately XXXX and XXXX notified me of this information and updated my score. Experian never notified me or en made mention of this drastic change and my score with them remained the same! They have been using the same low credit score for years without change, which is simply impossible! I need assistance in getting to the bottom of this major problem especially since they are mainly used for applying for credit. Please help me! Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple inquiries on my Credit Report I do not recognize
Product: Mortgage

I have received a letter from CrossCountry Mortgage LLC dated XX/XX/XXXX. It states my hazard insurance has expired. 
Regrettably, the statement that my hazard insurance has expired is not true. No hazard policy for this property has expired since my ownership. 

Enclosed is another copy of the Declarations Page for the hazard insurance for the above property. As you can see the Declarations Page clearly states it has been in effect since XX/XX/XXXX, and will remain in effect until XX/XX/XXXX. The Mortgagee is correctly identified as CrossCountry Mortgage, LLC, and the Mortgagee 's address is correctly listed ( along with the loan number ), as the lender required in the Hazard Insurance Endorsement Letter set forth in CrossCountry Mortgage 's loan documents. ( It appears that CrossCountry Mortgage has changed the loan number since the loan closed, however, I have received no notification from CrossCountry Mortgage LLC of this change. )
Product: Credit reporting or other personal consumer reports

In accordance with with the Fair Credit Reporting Act this creditor has violated my privacy rights as a consumer. They are not reporting fair and equitable to me as a consumer with regards to privacy and confidentiality 15 USC 1681 Permissible Purpose section 602 states I have rights to privacy, 15 USC section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 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: Credit reporting or other personal consumer reports

I try to delete this account whit Transunion and still XXXX the account in my credit report, and this account was fraudulently open, I have a report send to Transunion. The account name is XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

credit burea companies ( Equifax, Experian, Transunion ) are reporting fraudulent inacurrate information on my credit report. My information was compromised in a data breach. i have the right to reasonable investigations under the fair credit reporting act 15 U.S.C 1681i. Equifax and Experian 's sctions may also contravene the CFPA 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Couple different items occurred with Select Portfolio Services. They acquired the loan after a permanent modification and failed to notify me @ the address on file. I had to seek them out based on data from the prior lender when payments were returned. Despite my efforts they marked the first mortgage payment as late despite my proactive efforts. This has a material impact on my credit score and they refuse to address this. This is the only late payment on this or any other account on my credit report.

Secondarily, after repeated attempts they continue to send pertinent mail to the property address. 1098s and things like changes to escrow.

Thirdly, they had a 3rd part review the flood insurance on the property. I, within the time allotted procured flood insurance from a national carrier @ $ XXXX/year. Further I followed their process, uploaded the binder and assumed the issue was ended. Instead they are providing flood insurance @ $ XXXX/year and claim to have not received the binder. Customer service rep XXXX on XX/XX/XXXX confirmed the document had been received and I've been billed in error.

Fourthly, the password reset routine on their website has been dysfunctional for at least 3 days. Requiring me to call to get a reset to access the latest data.

It looks a lot like Select Portfolio Servicing is in the business of making it difficult for folks to pay the mortgage as agreed and have a larger interest in generating fees and challenges for the mortgagee.
Product: Debt collection

years ago (  XXXX  and prior with no negligence was the last payment made, and  may  have been before  XXXX  ) i used  XXXX  for my cell phone company. i decided to change phone company 's due to the price difference. i called  XXXX  and let them know and they then shut my phone completely off after paying the last months bill.  XXXX  then continued to bill me on a monthly basis until the bill got up over a thousand dollars, even after calling them numerous times and kept explaining that i no longer use them and the phone was not even working any longer, and i am not paying for a service that is no longer in service, and i am not paying for a bill, i did not use while being billed.  XXXX  held on to the continued bill for about numerous years trying to get me to pay for something i continued to tell them i did not owe.   On  XXXX  of  XXXX  I had a credit check done on me in order to move into a new apartment and found that the phone bill was on my history and also indicated that the status was closed, but opened  XXXX  of  XXXX , yet with a current balance of {$1300.00} but was through a different collection agency other than  XXXX . ( i have a copy indicating the different dates and totals from the managers where i currently live ).   I never made a payment on this bill because I did not owe it ...   The date is now  XXXX / XXXX / XXXX , and had my credit checked again in order to move in to another new apartment and my report stated that another third party agency, " Convergent agency '', has now taken it over and says it was opened was on  XXXX , with a balance of {$1100.00} ( i never made a payment on this ) falsely showing both a price indifference and indicating to the new apartment that this bill is only a year old. When in fact, the bill is past the statue of limitations for Minnesota where i reside  ( 6 years ).  Due to this illegal action through the third party "    Convergent  ''  , I will not be able to move in to a new apartment unless this is resolved immediately. ( there is absolutely no felony or misdemeanor, nor do I have any debt ... a clean record ) I tried to call convergent and got a loud noise in my ear and the phone call ended ( it was not a fax number ).
I called T-mobile   and the only information they said they had in their computer was that it was given to " Convergent '' on  XXXX   XXXX ,  XXXX . Which shows another lie typed on my report done by convergent, saying it was opened on  XXXX  ( that alone is a almost a 4 year difference from when  XXXX  claims they gave it to them  ) .