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

Sent a wire transfer to my parents, the wire transfer was rejected by their bank ( Bank of America ) and returned. But first with a {$45.00} deduction from BofA. No idea why it was rejected by the fee was deducted without haste.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has violated its privacy policy furnishing false information on my credit report with out my consent. breached my information and furnished a fake score which resulted in higher interest rates, and denied credit these accounts are being reported as a result of identity theft and i want them removed immediately as well as compensate me for the damages that ive suffered because of their negligence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the rediculous amount of inquiries on my report i never authorized or consented to need to be removed
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # 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: Money transfer, virtual currency, or money service

I was contacted about an outstanding bill. The person confused me and I gave him access to my computer to fix the problem. He said I needed to pay. I used XXXX and was frauded hundreds of dollars. The company did not exist but they conned me out of hundreds. I reported it to my bank and they said it was nothing they could do and would not refund my money.
Product: Credit reporting or other personal consumer reports

Kindly remove this to my credit report. This is causing me a lot of XXXX and XXXX
Product: Debt collection

This company is providing me false information resulting in all 3 credit bureaus having negative information on my account. they keep sending me bills with a signature that is clearly not mine trying to claim i owe. i did not have a contract with these people. this negative account has been written off as bad debt which is incorrect. they are saying its a loan from a payday company which is illegal in the state that i am located. they have yet to provide proof on how i obtained this loan. they do not have the rights to legally collect the debt in addition there are not any places in my area that allow those type of loans. they are providing me the documentation that they wrote up trying to say that i agreed to the loan and i did not. they are only sending me letters with balances but no actual hard proof that this is mine.
Product: Money transfer, virtual currency, or money service

ON XXXX XXXX I sold my boat to XXXX XXXX XXXX, XXXX. XX/XX/XXXX XXXX. He paid {$9900.00}. by wire transfer from XXXX XXXX to my bank TD Bank. On XX/XX/XXXX TD Bank debited or reversed the wire transfer to my account {$9900.00} indicating XXXX never received the boat. TD Bank Seized over {$160000.00} in this process and has yet to return my {$9900.00}. I have been trying to get my money back for a week now and TD Bank is holding it. My phone number is XXXX my name is XXXX TD Bank Investigator XXXX XXXX XXXX is responsible for reversing the {$9900.00} electronic transfer from XXXX XXXX to me.
Product: Payday loan, title loan, personal loan, or advance loan

Hi, I have called Upstart at least 6 times today to get a hold of them to workout a payment plan to get my loan back on track. They refuse to answer the phone whenever I give them a call. I wanted for months to work this out but no one wants to work with me or respond to me when I call or email them. I am waiting for a response. I hate having to go this far and get consumerfinance involved but I feel I must in order to get results in a timely manner. All i want to do is settle the remaining balance or make an affordable monthly payment plan to resolve this.
Product: Mortgage

We are a month late with Ditech ( fka : greentree servicing ) and we have been getting harassing phone calls from their supervisor XXXX and other staff on a daily basis. We have never been late in paying our mortgage and this is the first time. My husband was XXXX. As we reside in Hawaii, the cost to get him there with a minimum of a month of lodging and other living expenses we could not pay the mortgage. The XXXX stated that he will be XXXX for a year or longer after treatment, thus I began the loan modification as there will be no income to support all of the expenses. Ditech has been calling and harassing me, in particular their supervisor " XXXX '' on a daily basis for the past two weeks. I have explained my situation and they acknowledged receipt of the loan modification documents, but still they keep calling every day! XXXX and the other Ditech staff are very rude, uncaring and very demanding.
Product: Vehicle loan or lease

I don't have a contract with Exeter Finance LLC. on XX/XX/2023 I asked for the original contract and an audit trail of all accounting including the source of origination from where the lawful money was taken and given to me, I was not given any type of paperwork that I have requested. I feel there may have been a mistake because they didn't give me anything of value therefore, I don't owe them anything. I wish not to be harassed any longer and I wish that they release any liens from my property ; I was forced to make complaints to the Attorney General, XXXX XXXX XXXX XXXX, the FDIC and the Office of the Comptroller of the Currency.
Product: Credit reporting, credit repair services, or other personal consumer reports

please remove all accounts and inquires reported on my identity theft report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the fraudulent account currently appearing on my credit report. Despite sending you my previous dispute letter and the required documentation to the Federal Trade Commission ( FTC ) as per your requirements, this account is still being reported on my credit report. I have contacted the company associated with this account, and they have acknowledged the fraudulent nature of this account so it was already removed from XXXX and XXXX. I have also provided the company with all necessary documentation to support my claim. 

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

I am writing to ensure you have the most accurate information in my credit file at all times. I have highlighted the items below that are inaccurate and shall be removed from my credit report immediately. 
I am filling this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151. 1 have enclosed copies of my state issued identification and social security number to validate my identity.

Regards,
Product: Credit reporting or other personal consumer reports

DELETE HARD INQUIRIES In accordance whit the fair credit reporting act, the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish an account whit out my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Seccin 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 1681 s-2 ( A ) ( a ) 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.

Delete the accounts below. 

XXXX XX/XX/year> EQUIFAX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including other furnished Lexis Nexis, XXXX XXXX, inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act,  you are required to comply. My name is XXXX XXXX XXXX. My date of birth is XXXX. I am currently Self Employed XXXX XXXX XXXX XXXX My current and only address XXXX XXXX XXXX, XXXX, OH XXXX the following addresses are not mine please delete them. 
XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Debt collection

My wife and I have been having difficulty with U.S. Bank regarding a business credit card and have tried on numerous occasions to resolve the issue. They claim that are mail is undeliverable the past XXXX months so we could not get a credit card statement. When we went online no statement was issue from the last one posted XX/XX/2017. The minumum payment was XXXX we paid XXXX. We sent XXXX payments certified mail with money orders. We tracked the Money order and Certified mail and they were accepting delivery and cashing the money orders eventhough we received no statement paid in good faith XXXX. They refuse to post the payments that we made and charged us late fees cashing money orders after the due date. We were also charged interest rates last month XXXX now XXXX %. Last Month XXXX we sent a certified return receipt and they did post a XXXX payment but still refused to post the past payments. We contacted the Attorney General of Washington XXXX and showed the documents along with the claim of undeliverable mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an address on my credit report that I have never lived at.
Product: Credit reporting or other personal consumer reports

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court. 

LATE PAYMENTS : XXXX XXXX XXXX XXXX
Product: Checking or savings account

We banked with Wells Fargo for many years, and one day, for no reason they closed all of our accounts, including our children 's bank accounts. We are ordinary hard working professionals and we think that this is a case of discrimination against our family. We requested that they re-consider this decision twice, but they did not do that and they did not provide us with any explanation, siting that they don't have to, based on some legal fine line language on the agreement, which we signed. There has been no reason for them to close our accounts, other than discrimination. We know that they have done this with others with similar situation. These account closures have interrupted our lives and it has brought about a tremendous burden and lost of time and it has brought humiliation to our entire family.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit has been compromised. Again, I was going through my records & noticed many Inquiries which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these Inquiries. 
XXXX XXXX XXXX Date of Inquiry XX/XX/20XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  XXXX Date of Inquiry XX/XX/2020 XXXX XXXX Date of Inquiry XX/XX/20XXXX XXXX XXXX Date of Inquiry XX/XX/2020 If you feel there is a possibility these Inquiries belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit card

In reviewing the company 's final previous response, it was mentioned an account was closed in 2015. The current account ends in XXXX. Previously, this current account was not closed in 2015. 

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

I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX  XXXX ( XXXX  ) XXXX XXXX Presume that no proof of the alleged debt. nor therefore any such that in fact, therefore exist.. ( please remove this account before I seek litigation for the defamation of character. ) XXXX XXXX  BAL. {$0.00}, XXXX XXXX Bal. {$20000.00}
Product: Credit card or prepaid card

In XXXX the bank froze my account and took money out of my account never received a notice why this was happening now they unfroze y account but didnt put the money back they took out now Im in negative never got an explanation or anything
Product: Credit reporting, credit repair services, or other personal consumer reports

I already reached out to EQUIFAX and to the creditor and notify them of their error posting for this account. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. No proof that this account belonged to me was given. No documentation was ever sent/received. The purpose of a time frame was to assure customers that disputes are taken so seriously that results must be completed within a reasonable time. They have failed to provide documentation and proof.
Product: Mortgage

I have applied to PNC to re-do my loan mod as it adjusted and I can not afford the payment. I originally faxed it and they said they did not get it, however, i had fax status. I then faxed and overnight mail, they still said they did not get and asked again. I have been sending things each time and they waut until after the due date and send me letter saying the did not get. they now sent me to foreclosure atty and I called them. they now say since its past the XXXX of XXXX i need to send tax returns for 2014. I called again and got a girl on phone and she was very rude and made me feel like trash for needing help. She compared my cell bill to hers saying mine should not be what it is because hers was not that much and I should be able to pay as I make good money and she told me how to manage my money and so on. My mtg pmt takes up XXXX whole check and I only get XXXX per month. Sometimes it takes more than XXXX check. They keep giving me the run around meanwhile I am getting ready to get foreclosure papers served on me and I ma doing everything they tell me to do. Each time I call i get a different person telling me different things and I really need help. I am in hopes that you guys will be able to help me. Thank you
Product: Mortgage

I have 60 days late payment reported on my credit History on XX/XX/20 by roundpoint mortgage. I refinance the house in XXXX, and I had closing done in mu home. I sign the auto deduct form to roundpoint on the day of closing, and was told that payments will automatically deduct, when they are due. Couple Months later I got a letter from them that I am late on payment. I called them and explain them the same thing, they waive the late payment and I paid them all three month of payment on same day, and since then I am auto paying the payment on time with no issues. I was told that it will not be reported on my credit report as it is not my fault, but a communication gap on the Roundpoint side.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts/items which do not belong to me or were opened without my permission.XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX, XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, on XX/XX/XXXX and again on XXXX they say was last activity. It depends on which credit reporting agency youre at and when you looking at them. The amount goes from XXXX, to at one time we only XXXX. XXXX. Also to brought the car. Not to mention the car was upgraded to leather by the dealer including seats, doors but not included in sale price of of car. I requested information but denied all information of sale of car. Requested all information not received. 
XXXX That was a paid in full timeshare that was not put up for collateral. Once new owners took over We were not allowed too any meeting for the fact that we were married and our husbands were not on the contacts and we were separated from them. So now they had disconnected phone number to get in contact with them to discuss anything about this XXXX. That was we request a signed contact and validations of XXXX this has not been verified. When I called the number is a non working number, then they replace it with a another number that was the wrong department when I called them. And when I got in contact with them it was still in the wrong department. 
Under the fair credit report act 15 USC1681 I have the right to privacy and I did not give permission to anyone to release my information to anyone, therefore my rights were violated. 
XXXX XXXX I paid them in full with XXXX interest and the reporting it as a charge off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery Associates is reporting two collection accounts 1 is from XXXX XXXX - which was charged off in XXXX - and a XXXX XXXX account which is also over 7 years old ; they purchased these accounts in XXXX - but FCRA guidelines for California state debt can only be reported for 7 Years from the 1st original date of delinquency with the original creditor - not 7 years from the purchase date by a collection agency
Product: Credit card

American Express ( Amex ) failed to follow their letter dated XXXX/XXXX/2015 ( copy attached ). 

I am in full disagreement with Amex 's failure to transfer XXXX earned points from my closed Amex account # XXXX to my open Amex account # XXXX ( copies sent earlier ), because Amex stated in their XXXX/XXXX/2015 letter, " that as per the XXXX XXXX and Conditions if you cancel your enrollment in the program and do n't keep open any American Express Cards, all points in your program account will be immediately forfeited ''. The key word in this quote is the word " any '', which pertains to my open Amex account # XXXX. On XXXX/XXXX/2015 I advised Amex in my letter ( copy sent earlier ) of this open Amex account. 

Amex needs to transfer my earned XXXX points to my open Amex account # XXXX per their terms and conditions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX loan number XXXX with Santander bank. I have been trying to refinance my house since XX/XX/XXXX, however Santander has not been reporting me paying my mortgage to the credit Bureau since XXXX on my credit report. I ran a check and it shows my house as being paid off and I have not been able to refinance with my bank.I have contacted them many times. I sent them a fax with my credit report as they requested,, but they won '' t answer my letters about it. They have been telling me since XXXX they were going to correct this so I can refinance my house but they keep blowing me off every month and won '' t tell me why it '' s not on my credit report. in fact its showing up as being paid in full since XXXX, and I am still making monthly payments and never missed a payment since I had the house XXXX. It should be posted good or bad on my credit report. 
I am losing money because they are not reporting my score to the credit Bureau so I can get a better interest rate and also refinance my car that I qualify for.
Product: Mortgage

I am going to be extremely nice and cordial and I apologize for the previous threats or attitude but the situation is extremely frustrating. Long story short : XXXX approved us for 12 months of payments from XX/XX/XXXX to XX/XX/XXXX. 

As of the date of this letter, there has only been XXXX payment posted from DovenmuehleXXXX  which was for XX/XX/XXXX. 

The most frustrating part of this entire thing, is Dovenmuehle are claiming the checks are going to a wrong address and that is why they're not being posted. This would be a fine claim but the correct address that XXXX are mailing the checks to is " XXXX XXXX XXXX, XXXX TX XXXX. '' - This is the EXACT address that you guys have claimed the address needs to be on previous correspondence. Today, I did a two-way phone call with XXXX from XXXX and XXXX from Dovenmuehle. Both very sweet and wanting to help me. 

How can we resolve this? Also can I get a contact from someone that I can reach out to directly vs filing many CFPB claims? 

Possible resolution : 1. Have XXXX change the address from the XXXX XXXX XXXX XXXX, TX to the XXXX XXXX XXXX, Illinois location. Please note, for them to do this - I need you to confirm this is now the correct address to send payments to on Michigan XXXX letterhead. They will re-issue the checks and send them to this address from now on. I have personally sent checks to this address for the hurricane insurance checks and found there to be no issues sending and receiving from this address. 

Please just help me. Please do not say again that the address is incorrect because I can promise and assure you it is not incorrect. You may be giving ME and HAF the incorrect address, but XXXX are sending the checks to the address you are specifying so PLEASE do not use this answer again in your response to this claim. Please try and actively help me, I have been fighting this since XXXX I am tired and I want this to be resolved. If we need to change the address to XXXX XXXX XXXX XXXX then let 's do it. Clearly the XXXX XXXX XXXX XXXX is not working. 

Furthermore, in the last correspondence you claimed that the unauthorized third party had received " multiple '' checks, meaning for various individuals not just my loan. This should be the clear indication that it is indeed DovenmuehlXXXX 's error. I understand this is a new program from the government so if you don't understand what to do or you don't know what to suggest then just say that. Can we try the XXXX XXXX XXXX location? I need you to confirm on a letterhead that the checks can be sent to that address. 

Thanks, XXXX
Product: Credit reporting or other personal consumer reports

XXXX and Equifax failed to investigate inaccuracy on my credit report