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

On XX/XX/XXXX, I wired money ( approx XXXX ) via international wire from USAA to XXXX XXXX XXXX XXXX XXXX ), an account at XXXX XXXX XXXX XXXX, for purchase of a XXXX in XXXX. I did this in anticipation of a move on XXXX to XXXX. XXXX never received the wire. Details of the wire were verified with XXXX with USAA on the phone. I was told by USAA not to worry until 15 days had elapsed. I have since contacted USAA multiple times. It has now been 27 days. I've been told it was a " clean wire '' by some and " to be worried '' by others at USAA. From USAA, I've been told that USAA would reach out to XXXX XXXX XXXX by some and been told that XXXX XXXX XXXX has to reach out to USAA by others. XXXX has contacted XXXX XXXX XXXX, but XXXX XXXX was unable to reach USAA. I put in a delayed wire dispute with USAA and then subsequently a reclaim for the wire. Despite numerous calls, I've been giving no clear explanation on how these processes work, what to expect, or what to do next. I subsequently began moving money from USAA into an account I can access directly ( Service Credit Union ) should my wire issue become prolonged. XXXX hours after the reclaim was placed, USAA locked all of my accounts with no notification or explanation. XXXX has still not received my funds. Nor have I been refunded the wire. I am unable to unlock my account because I am overseas without a XXXX phone number. I had been using an authenticator through the USAA app to verify, but after being force logged out by USAA- I was not able to use this for verification. I was suppose to take delivery of a vehicle over XXXX week ago for which I also am paying USAA to insure. Now, I can not access funds, credit, debit, or account information. I am a XXXX government employee who just moved overseas with a family who has been fiscally paralyzed by USAA at the start of the new year.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPANY IS NOT A DUPLICATE. At this point XXXX you have dug yourself into a deep hole. I've given you opportunity after opportunity to simply resolve the issue of unwilling participation in your services. This will be the final complaint personally filed myself. I've outlined consumer laws that you're in violation of and you willfully disregard me. Throughout the duration of this back and forth i've suffered accumulative damages that you're responsible for. 

XXXX & TRANSUNION NOTE, if XXXX  can't furnish all details requested. YOU are also going to be held accountable for willful negligent behavior with the violation of consumer law. There for you will also participate in the financial legal obligations of damage compensation. I've filled complaint siting law violations and you also ignored my request for detailed information by stating all is confirmed. If this complaint closes with this negative late payment account still being allowed on my consumer report. Please make sure your attorneys are made aware of every complaint filed up to this point. 

YOU ARE REQUIRED BY LAW YOU PROVIDE ORIGINAL CONTRACT FURNISHING ALL ACCURATE DETAILS OF DATE TIME AND LOCATION. YOU ARE TO SEND THIS INFORMATION TO THE CFPB FOR PROPER DOCUMENTATION.
Product: Payday loan, title loan, or personal loan

XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX The company above made false representation of the factored rate of interest on my loan from the onset of my contract. I have made 12 months of payments on the loan of $ XXXX and never been late or past due etc. Upon receiving a solicitation in XX/XX/XXXX - 11 months into loan, I contacted their XXXX Ga location to get a quote for an additional amount, to realize the loan was misquoted from the onset. However the new amount triggered me to look further into the misrepresented amounts and contact their corporate office. The XXXX employee said the rate factor was XXXX on initial loan and XXXX on new loan amount. Upon firther research the loan amount is, in fact, XXXX. 

I have continued to pay this loan - XXXX payments were being removed from my checking by a company by the name of XXXX and now changed to XXXX XXXX. 

XXXX XXXX XXXX office said that their rates were imbeded into their system and did not show employees the actual factor. 

It is my contention that One Main owners and financial offocers are guilty of violations of the fair debt collection act, guilty of fraudulent information to their customers, and in violation of state and federal laws regarding financial institutions.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1666 Section B 15 U.S. Code 1637a-a 15 U.S. Code 1681c2
Product: Debt collection

I have made several phone calls and sent letters to this company to prove I owe them this debt. I have never heard of this company and they have sent this information to the credit bureaus damaging my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need fraudulent addresses removed from my credit report. 

XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX   XXXX Remove the fraudulent telephone numbers. 

( XXXX ) XXXX ( XXXX ) XXXX
Product: Checking or savings account

I am writing to file a complain against Navy Federal Credit Union regarding muliple overdraft feess i have incurred. despite having sufficient funds when transactions were autorized, i was charged fees due to lagged possting of charges and credits. Thiss issue alignss with the recent CFPB finding against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds, i believe these practices are unfair and request an investigation ito my account transactions.
Product: Debt collection

I am writing to file a complaint regarding an inaccurate item on my credit report that I wish to have deleted. The information in question is negatively impacting my credit standing, and despite my attempts to resolve this matter directly with the credit reporting agency and the creditor, the issue remains unresolved. 
Details of the Inaccurate Item : Creditors Name : XXXXXXXX XXXX  Account Number : XXXX and XXXX Date of Inaccuracy : XX/XX/XXXX Description of Inaccuracy : I have never had account ownership I have made good faith efforts to dispute this error by contacting the creditor or credit bureau directly, XX/XX/XXXX Despite my attempts, the inaccurate information has not been corrected. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5481
Product: Money transfer, virtual currency, or money service

I had an exercise bike listed on XXXX marketplace. A " buyer '' contacted me wishing to buy and asked if I accepted payments via Zelle. I texted back that I did not have an account but knew that my bank XXXX participated. The buyer said she really wanted the bike and would wait while I set up an account ( informed me it was reasonably quick ). I did so and gave her the particulars to forward the payment of {$250.00}. I received an email from " Zelle '' ( their logo and seemingly their script ) stating that I received {$250.00} but it will not be released immediately as I do not have a business account. I would have to have a transaction in excess of {$500.00} in order to qualify. I relayed this information to the buyer who was completely disappointed because her brother was ready to drive over to pick it up. She asked if she sent an additional {$300.00} in order to qualify, would I refund the {$300.00} immediately. I agreed, received another email acknowledging that and returned {$300.00} to her. Checking my bank balance I saw no activity. I was then notified ( again by Zelle logo email ) that " excess payments '' were accidentally sent and I was credited an additional {$1000.00}. The " buyer '' asked that I return the {$1000.00} as well. I now realized this to be a probable scam. I stated my suspicion to the buyer who proceeded to harass me when I stated I was going to XXXX and ask for assistance. I did so and XXXX told me I needed to wait until the funds sent ( {$300.00} ) were settled as withdrawn from my account. Seems strange that they have the account destination and could put it on hold but they insisted it go through before acting. I returned and filed a dispute when it cleared and in days received their answer that there is nothing they can do. In today 's XXXX XXXX XXXX there was an article specifically about Zelle and such scams ... with this script being highlighted as occurring often. In other words ... they know they have a problem and should have taken action when I described my situation if indeed it is that common.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I am XXXX  upset at how the credit bureaus have allowed fraudulent accounts report on my consumer reports. This is not fair to me and my family as I am trying buy a house for my family and I can not do so because the negligence of the credit agencies allowing such accounts to be reported. I have wasted alot of my time with house shopping just to find out I have accounts thats not mines on my report. I take my credit very serious. So this is a defamation of my character and negatively impacting my livelihood. Please help me resolve these issues. I pay my bills on time. According to 15usc 1681 I, the credit bureaus should be in compliance and not neglecting my consumer report. As this my 3rd time trying to remove these items so I can buy a home. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed and blocked immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep having to dispute a company on my credit report. In the month of XXXX I disputed a company called Trellis Company on my credit report. The credit bureaus take this debt off my credit report because they verify that it is not mine, and then XXXX months later its back on my report and I have to dispute it again. I do not know who these people are. I contacted the company and was told it was a student loan. I have not had a student loan in 30 years. The student loan that I did have was paid off years ago, and the school is now closed down. I will not ever pay them. This Trellis Company is committing fraud and trying to get money from me that I do not owe them. They keep reporting me to the credit bureaus and the credit bureaus keep putting them on my credit report. I have had to dispute this at lease XXXX times now. I want them taken off my credit reports and never put back on there. I am sick and tired of having to fight something that I do not owe. I want the credit bureaus to stop reporting false information on my credit report as well. Just because a company says you owe something does not make it true and for them to just put things on my credit report is just plain wrong. I have proven that I do not owe this company a XXXX and they keep adding it to my credit report. I also want them to take off the bankruptcy from my report as well. They told me they verified the bankruptcy but that was a lie. I called the courthouse and was told that they do not verify bankruptcies, so how was it verified. I even have a letter from the court. Another example of how they just put wrong information on a persons credit report.
Product: Student loan

It has been XXXX business days since my form was submitted back in XX/XX/year>. My loans listed below were consolidated at the same time, paid at the same time, marked as 120 payments on XX/XX/year>. The loan listed as " XXXX DL Consolidated - Subsidized '' was discharged under XXXX, XXXX loan listed as " XXXX DL Consolidated - Unsubsidized '' was not even though they were both already counted as 120 under the same form.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account # XXXX open XX/XX/year> reported on all XXXX credit bureau XXXX XXXX, XXXX, and Transunion without my knowledge or approval. I've sent letters and made calls to the company and disputes to all XXXX credit bureau 's about this account and they have not done the proper research to remove this account from my credit report. This is not my account and there is no way to contact them.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX Credit card account has late payments reported that should not be there. I contacted them and they waived the late fees but didn't correct the lates which should have never been reported on my account XXXX XXXX
Product: Mortgage

I have had issues with Shellpoint Mortgage since they took over my family loan in XX/XX/2022. They started out by saying I was late several months until I filed a complaint and then suddenly I was only behind 1 month. This was still incorrect, but I mailed in payments in XXXX to cover that month, the month they said I was behind ( even though it was incorrect ) and checks to cover for the one that I stopped payment on in XXXX because they failed to cash it until a month later. They added on late fees for no reason and whenever a check is mailed without tracking, it is not cashed for several weeks later and is applied to the loan as a late payment... causing more fees. I have been using USPS Priority mail with tracking to their overnight processing since then for proof of delivery. I haven't had an issue with my payment checks being cashed during that time. Not wanting to spend the {$10.00} per mailing in XXXX, I sent a check to their normal payment address in Texas. And here we are again, a month later, and no sign of the check being cashed and they are sending default notices. I have received nothing but issues with Shellpoint because this account is in the Estate name of my late husband, XXXX XXXX. I assume that they are doing whatever they can to put us into foreclosure without warrant to cash in on the equity that we have accrued in a short time. However, I have proof of all cashed checks and delivery from all other months, so I am in now way, in default! I need for this company to get their record keeping straight once and for all and to credit my account for the payments that I do not owe and of course for those that I faithfully pay each month. Being a widow with XXXX children is hard enough, I don't need the run around from this company on top of that.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of significant concern regarding Experian 's handling of my previous complaint ( XXXX XXXX XXXX ). On XX/XX/year>, I submitted a formal complaint to Experian, requesting the method of verification for the public records reported on my consumer credit file. This request was made in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically under Section 611 ( a ) ( 7 ), which mandates that a consumer reporting agency must provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information. 

Experian acknowledged receipt of my request and indicated that the investigation would be completed within 30 days. However, despite this assurance, I have not received any further updates from Experian regarding the status or outcome of their investigation. This lack of response is in direct violation of the consumer protection provisions outlined in the FCRA. 

I am deeply concerned about Experian 's apparent disregard for the obligations imposed upon them by federal law. This negligence not only affects my credit standing but also undermines the trust that consumers should be able to place in credit reporting agencies. Therefore, I am requesting that the CFPB take appropriate actions within its power to address this issue. Specifically, I urge the CFPB to : 1. Investigate Experian 's failure to provide the method of verification within the legally mandated timeframe. 
2. Sanction Experian for their non-compliance with the FCRA, thereby reinforcing the importance of consumer protections. 
3. Ensure that Experian provides the requested information without further delay. 
4. Mandate that Experian immediately remove the disputed public records from my consumer credit file due to their failure to provide the method of verification as required by law. 

I have attached copies of my ID and a letter from the US Bankruptcy court stating they do not report, verify, or validate public records on consumer credit reports. Your prompt attention to this matter would be greatly appreciated, as it is imperative that consumers ' rights are upheld and that credit reporting agencies are held accountable for their obligations. 

Thank you for your assistance in this matter. I look forward to your response and to the resolution of this issue.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

I have a checking account with Juno. Since XX/XX/XXXX, I have not been able to make any transactions ( debits or deposits ) from my account. Juno says that they are working to resolve the issue with XXXX Bank. However, it has been almost 3 weeks since they originally notified me of the issues, and I still can not access any of my money ( it is now XX/XX/XXXX ). I have sent Juno a message requesting to close down my account and send me my remaining funds via regular mail. They have not responded to my request. I have attempted to withdraw my money into another checking account at another bank, and I am unable to do so because my Juno account is frozen. I have thousands of dollars in my Juno checking account, and I would like to have access to my money immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act these creditors have violated my rights. Under 15.USC1681 Section 602 states that I have a right to privacy, 15.USC 1681 Section 604A Section 2 it also states that a consumer reporting agency can not furnish an account without my written instruction. Under 15.USC 1666B a creditor may not threat a payment on a credit card account under an open end consumer credit plan as late for any purpose. The companies are in violation are below : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX
Product: Student loan

I have a co-signer on a student loan for over 10yrs Now and would like to be removed. XXXX  advised that you are the ones who decided. They declined the application to remove me as a co-signer. The loan is in good standing and the only reason why is because they co-signer was not on auto debit for the first 48 mo. I believe this practice is unfair and harming. The loan is in good standing and the signer ( XXXX XXXX ) is capable of making her own Payments and has good a credit standing
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against Equifax for their failure to address multiple disputes regarding inaccuracies on my credit report. Despite my repeated efforts and the involvement of my legal counsel, Equifax has not taken the necessary steps to correct these errors. 

My attorney sent a detailed letter to Equifax requesting the removal of certain inaccurate items from my credit report. Regrettably, Equifax did not comply with this request. Furthermore, Equifax made an error by using my lawyer 's address instead of my own address for correspondence. This mistake has caused significant delays and confusion in resolving this matter. 

I have made multiple attempts to have these items removed, both through direct communication and through my legal representative. Despite these efforts, Equifax has continued to report inaccurate information on my credit report, adversely affecting my credit score and causing undue distress. 

I respectfully request the Consumer Financial Protection Bureau 's intervention to ensure Equifax promptly addresses this issue and corrects my credit report. It is crucial for my financial well-being and peace of mind that these inaccuracies are rectified without further delay. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
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