23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Re : Error [ s ] on consumer checking account screening report.

I am writing to request a correction of the following information that appears on my consumer report : I was a victim of misconduct and fraud by XXXX XXXX XXXX and reported a fraud alert on my credit report and to the FTC The transaction reported in error by XXXX XXXX The report shows I owed money to the bank that I have already repaid and covered in the transaction report show that Abuse account, never abuse it XXXX XXXX did it, it's their fault XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Dispute Case ID : XXXX Bank Name : XXXX XXXX Reference # : XXXX XXXX XXXX case number : XXXX Account number ending in : XXXX Consumer Financial Protection Bureau, case number : XXXX
Product: Student loan

In XX/XX/2016, after reviewing my credit i decided to face that GIANT and do something. I began writing out letters to all outstanding debtors and asking to pay back at reasonable increments. Once one stone is gone I'll increase and knock down another. I was excited. Few months go by and I'm now receiving letters of garnishment, one agency was already garnishing me without notification. I fell ten flights backwards. My rent fell behind, i wasn't eating properly cereal or hot dogs, now getting sick medical bills, copays can't pay. I almost regretted my move BUT i knew there was a way better than the way these lenders and collection agencies were going about business. I have read that federal loan lenders can work with you. Private lenders are much harder once defaulted. I tried any way and federal and the privates spoke to me with such insensitivity. One agent actually told me to " STOP paying rent and eating for a year and my loan would be paid. '' I just want to pay back at a $ $ amount I can afford. No longer avoiding just resolving. 
I literally had to tell myself to breathe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 7 hard inquiries on my credit report that are not from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I first reported the problem on XX/XX/2021 and got a incomplete response on XX/XX/2021. 
It's about the balance of my Mortgage loan being reported to XXXX, XXXX  XXXX XXXX  at {$250000.00} and recently XX/XX/2021 received a email from XXXX stating my loan balance is {$250000.00} after they reached out to my Mortgage Loan Servicer Mr. Cooper. The correct Mortgage Loan Balance is {$230000.00}. I recently found out about this information being inaccurate with all Three Credit Bureaus is because my Credit Score was decreased. 
I will be sending by email a letter to the Researchincoming @ mrcooper dated for Today XX/XX/2021 that is a part of the attachments. 

You can only reach the people who does the investigation into this issue is by email only - reseachincoming@mrcooper.com or by mail. I have spoken to a CS Representative to see if I can speak them about this problem and I can not and they only addressed one Credit Bureau which is XXXX  and I sent the all three to show them the problem which has not been corrected nor my Credit Score. 

This is a copy of the Email I sent on - Fri, XX/XX/2021 XXXX pm ( XXXX ) To : you ( Bcc ) + 1 more Details Hello Research Department, Please acknowledge you received this email, so, I know it has gone to the correct place. I have recently discovered via my Credit Score being reduced, that all Three Credit Bureaus has the same incorrect my Mortgage Balance. Please find attached all Three Credit Bureaus reported amount of my Mortgage being {$250000.00}, when is actually {$230000.00}. There is {$23000.00} difference. Can you please correct this problem with the Credit Bureaus and inform me when this issue is resolved and my Credit Score is corrected. 

Thank you for all your help with this matter
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that it was in fact paid on time. the consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments. Ive attached a copy of my report to this complaint on the following dates, XX/XX/year>. I'm now requesting you to investigate this account and update these payments to paid on time immediately. thank you for your understanding and prompt action.
Product: Debt collection

Subsequent to being injured at work in XX/XX/XXXX some of the medical providers failed to code it as a Workman 's Compensation Injury, thus placing the debt under my name. For the past 18 months, I have not been successful in having my claim resolved. I found it necessary to have the Worker 's Comp attorney intervene. The law firm has mailed the proper documents several times to the medical providers, however, they ( medical providers ) have not followed the protocol ( necessary forms ) required by Workman 's Compensation to pay the claim. This leaves me in the middle, my credit score has suffered greatly and I'm unable to secure any type of loan due to my credit score. 

In the past month, I was served with a court paper to stand trial for a delinquent account. The attorney was successful in having that placed on hold until this can be resolved. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Email to me from the collection agency. 

I just spoke to XXXX at XXXX and he states the balance we have is current. Date of service XXXX {$260.00} XXXX {$240.00} and XX/XX/XXXX - {$25.00}. 

The number you can call for XXXX is XXXX if you want to do a follow-up. I then called XXXX XXXX XXXX XXXX and spoke to XXXX she states Workmans Comp was denied being it wasnt authorized in a timely manner? She said if you want to run it again you would have to take it up with your adjuster. I told her I would give you their info and you may be calling in for a follow-up. I hope this was helpful. Call these people for a follow-up and I will do my part to keep your accounts active in hopes that they get things straightened out being it seems your not at fault. 

Please keep in contact with me. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XX/XX/XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- --
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  XXXX XXXX Account # XXXX XXXX, has violated my rights. 
XXXX  Account XXXX XXXX XXXX XXXX XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi i am writing today in hopes to get your help i recently reviewed my credit report and i saw that you are reporting me 30 days late in XX/XX/2018 and i was shocked when i saw it because i always pay my bills on time i cant remember what happened then i dont remember missing any payments but i cant argue on that since i dont remember but that is not me i am not the person that pays my bills late and you can imagine what this means for me i was gon na lease a car and i they wanted a way higher rate then i was supposed to get so i beg you to please update the 30 days late on my credit report to reflect as current it would be a great help to me Thank you so much!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I recently checked my credit report and discovered some unauthorized accounts. These fraudulent entries are damaging my credit score. I request that you remove them as soon as possible.
Product: Credit reporting or other personal consumer reports

I am writing to request the blocking and deletion of accounts and inquiries from my credit report due to my status as a victim of a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information resulting from identity theft removed from my credit report. 
Please find below the details of the accounts that I am disputing : Fraudulent 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

In final review step 2 it says I didn't contact Freedom Mtg to resolve but I did. Trying to edit step 2 to change that to a " yes '' said all would be wiped clear so I left it as No. 

Clicked on a link reported to provide current mortgage rates. Ended up starting an application with Freedom Mortgage while we were driving from Connecticut to XXXX. We lost cell coverage and never completed the application. 
My wife and I got letters in the mail saying that our application was denied. There was a block to be checked " Credit Application Incomplete '' but it wasn't checked. There was a box checked on page 1 that said the denial was based upon credit report information. On the second page a box was checked saying that our credit score was used in making the decision. We both have scores over 790 which  Freedom Mortgage reported verbally was excellent. There were also comments typed in, " Amount owed on revolving accounts is too high '' and " Too many inquiries last 12 months ''. 
I called to complain that I didn't want a negative report making judgement about our balances when they didn't even know our income. I only wanted a letter stating that the application was never completed. 
They took the forms and checked the block on page 1 showing the application was never completed. But they didn't un-check the blocks related to the credit report, scores, or remove the comments. They said XXXX  put those comments there. I called XXXX  and they said they don't establish standards for credit approval or denial. I went back to Freedom Mortgage and they insisted they couldn't remove the notes. I told Freedom Mortgage that I was going to submit this complaint.
Product: Checking or savings account

I had a ex of mine sign into my XXXX account and order food using my card information with my permission named XXXX XXXX and I would like to press charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. Transunion failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please UPDATE the account in my Credit Report : XXXX XXXX XXXX
Product: Debt collection

My XXXX  XXXX office uses US Bank to collect online payments. Their accounting system sends autogenerated letters, presumably when payment records are not transmitted among the different parties. 

I received a notice that I had over {$200.00} in payments due to the pediatrician in a letter datedXX/XX/XXXXwhen I knew I had paid several of the bills. The most recent charge was {$79.00} for a visit on XX/XX/XXXX. On XX/XX/XXXX when I opened the letter and saw the stark " will be forwarded to a collection agency '' message, I called to understand the payments ( I had receipts for them ) and a woman named XXXX who worked for XXXX XXXX XXXX hospital indicated only the most recent charge was due. Note that the doctors office typically collects a co-pay and then if there are additional charges after the copay, they send the bill to my home - so between XX/XX/XXXX and XX/XX/XXXX the only bill I received was a " Final Bill Notification '' threatening to forward it to a collection agency if not paid within 10 days. In any case, I made a note of my conversation with XXXX, thanked her and immediately paid the XX/XX/XXXX remaining charges via XXXX 's online portal, hosted by US Bank. 

A few weeks ago, a letter arrived stating I still owed the {$79.00}. I threw it in the trash because I have a receipt and credit card statement showing that it was paid. Today, XX/XX/XXXX, another letter arrived, dated XX/XX/XXXX, stating that I sill owed the {$79.00}. This is abusive and it is likely due to some bad programming between the customer ( XXXX ) and the bank ( US Bank ). I wonder how many other parents receive these letters and have to waste time calling to confirm they paid, or submitting a complaint to CFPB? It is also a waste of paper. Please investigate US Bank for their threatening tactics and poor IT design/management that results in customer abuse.
Product: Mortgage

We were strung along by Wells Fargo for several month 's while waiting on a loan modification to find out that we can only receive XXXX loan modification over the life of our current loan. We tried to continue making payments to them but all of a sudden they stop accepting them. Then they wanted a lump sum of over XXXX to bring the loan current which we could not provide so they started foreclosure proceeding and have already attached a sale date of our property.
Product: Debt collection

Midland Credit Management collection agency was calling me frequently. I told them I was affected by covid and was in a bind due to losing my job. The company continued to harass me. Now Ive called them XX/XX/XXXX and XXXX trying to settle the debt at a lower percentage due to me trying to borrow the funds from someone else. I explained to them my current unique situation but the company really didnt care. Midland credit management stated that their company is only able to give out a 40 % discount off of the debt but sent a document stating otherwise.
Product: Money transfer, virtual currency, or money service

on XX/XX/2023 I went to my local 5th 3rd bank on XXXX XXXX, XXXX, IL and requested {$1200.00} to be wired to my cousin 's bank account in XXXX so he could pay my property taxes for the home I have there. The wire transfer was returned due to the local bank had input the wrong bank account number and XXXX number even though they had the printed document from my cousin 's bank with all the proper information. I found this out because my cousin said he never received the money, so I looked at the receipt the bank gave me. I called the bank and they looked into this and told me the wire was returned. I told them to cancel the wire as I had to give my other cousin who was out here visiting a check for {$1200.00} to give to my cousin so he could pay the taxes on time. Then at the end of XXXX the local bank called and wanted me to verify the bank account numbers, at this point I told them to cancel the wire, again, which they said they would do, then in XXXX I receive notice that they wired the money again, and it went through, I was upset as I told them to cancel the wire, which again was never done, I let my cousin know to watch for the money and to date, he has not received the {$1200.00}. I have tried multiple times to resolve this with the bank through their wire dept and dispute department, but no resolution, pretty much, I am out the money and they can not provide any documentation or information on their research that lead to them denied my dispute as to where the 2nd wire went, who did it, etc., no swift report, etc., and said I can not have copies of these documents. I asked to be transferred to their claim department to file a claim under their Errors & Omissions coverage as this was their mistake originally providing the wrong bank information as well as I did not authorize for them to put the wire through again and was never given any receipt for the 2nd wire transfer and I was told they don't have a claim department. So here I am out {$1200.00}, this is a major loss for me as I am XXXX XXXX XXXX with a very limited income. I am beginning to think that the local bank may have taken the money as they would not do what I told them to do and they keep trying to cover up their mistake. 

Time to look for a new bank!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
I contact the company and theres no record on file. Its an XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, my son sent {$2000.00}. from a TD Growth Account Money Market to my TD bank account. He received a confirmation of the transfer and a confirmation number : XXXX. He didn't realize that there are two options of payment, one immediate and the other in a couple of days. 

By XX/XX/XXXX we went to the XXXX XXXX Branch of TD bank. After working with a very attentive woman who sat on hold a good part of an hour and was transferred twice. we were told this type of transaction ( because it wasn't immediate ) would take 3 business days. She also went into my phone apt and adjusted my info for XXXX who does the transfers. 
Fast forward to today. Again I went into the same branch and a very nice young man, XXXX XXXX, tried to help. This time after going thru the steps taking over a half hour he speaks to someone named XXXX in the Tech support. XXXX then tells Mr. XXXX that the transfer was rejected on XX/XX/XXXX. 
So where was the money after it was taken from the Money Market account? My son, XXXX XXXX, is the trustee for that account and he was never notified that the transfer was rejected. I have received money from him before without problems. 
Not too long ago my husband had sent money to our granddaughter and she never received, but it was withdrawn from his account. He sent the money again and she got one of them and the other one was rejected. This is all TD Bank to TD Bank. 

Once is an oops, twice in banking begins a pattern. 

XXXX XXXX
Product: Debt collection

Failure to follow the following 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S code 1681i ( 5 ) violation of permissable purposes I did not give written consent to report this type of account to my credit report 15 u.s 1692 communication in connection with debt collections
Product: Debt collection

Dear Professional Debt Mediation , Inc . 
/ XXXX XXXXXXXX XXXX XXXX/ ; CFPB ; FTC ; Fraudulent Collection  Account reporting on my credit and I'm extremely concerned about the privacy of my personal information now! I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and XXXX  laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : XXXX. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. XXXX. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? XXXX. Please evidence your authorization to do business or operate in this state. XXXX. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. XXXX. Please provide a complete account history, including any charges added for collection activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are incorrect addresses that I have never lived at on my Transunion report : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit card or prepaid card

I paid off the balance of this account, but an oversight caused an extra payment to be sent to the company. I called my bank to try to reverse the charges, but they were unable to do so. I called the company. I first called on XX/XX/19, the day they received the payment, but the representative that answered the phone was unable to find the account. I repeated the information slowly and clearly, but they could not understand the numbers. They finally were able to access my account, but then could not understand what I was asking. After the fourth unsuccessful attempt to explain my request, I asked to speak with a supervisor. The rep then put me on hold for 12 minutes at which point I was hung up on. Then, I attempted to use their web chat, which there was no response. I finally called again and spoke with a person who now says they will return the money, but not for 60 days. They should not be allowed to hold onto my money and earn interest on it for 60 days. That is an unreasonable amount of time to hold someone's money on an account in good standing.