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

To whom it may concern, I received unemployment funds on a card from the bank Money Network. The card number for my Money Network account is XXXX XXXXXXXX XXXX XXXX On the Money Network app I input my account number to my XXXX XXXX account and transferred funds from Money Network to XXXX XXXX. The dates and amount of those funds are listed below. 

XXXX XXXX- {$500.00} XXXX XXXX- {$500.00} & {$500.00} XXXX XXXX- {$500.00} & XXXX The account number was input incorrectly, and the transferred funds were not transferred to my XXXXXXXX XXXX account and they still are not in my XXXX XXXX account. I called Money Network and they informed me that the funds were successfully transferred to XXXXXXXX XXXX. I then visited XXXXXXXX XXXX and they informed me that the account number ( that the funds were transferred to ) does not exist. Therefore once they received those funds there were unable to deposit it into the account because the account number that it was sent to does not exist. So then XXXX XXXX sent the funds back to Money Network. I called Money Network to explain that XXXX XXXX does not have those funds and that they transferred it back to Money Network ; I provided documentation by fax, email and mail proofing that. Money Network was supposed to put those transferred funds back into my account, but they are saying that the funds were transferred successfully to XXXXXXXX XXXX XXXX XXXX provided me documents that states otherwise, therefore Money Network does indeed have those funds and those funds should be in my account, which it is not. 
I opened a dispute with Money Network and this has been an ongoing dispute for months. Money Network denied the claim a few times stating that the funds were received by the intended institution. I have requested copies of the documents they used to come to that conclusion, and they have never sent those documents. I recently called again and have not been able to speak to a manager because the line disconnects when I am connected to a manager. I have never seen the documents used to determine that the transferred funds were successfully sent to XXXXXXXX XXXX 
For months now I have called, emailed, faxed and mailed documents from XXXXXXXX XXXX stating that the funds were never successfully transferred. My claim has got denied multiple times by Money Network. Recently I have taken note of who I spoke with, at Money Network, and what they said. I am able to provide that information if needed. I have gone through a lot of stress during these months trying to get money back that rightfully deserves to be in my possession. It has been especially stressful because I was in unemployment and that was the only funds I was receiving and I dont have it. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX with new & updated information about my previous complaint XXXX. XXXX XXXX XXXX XXXX XXXX has not only failed to comply with the FDCPA but has also failed to comply with the FCRA as well by report-ing an alleged account that has not been properly verified- ( sworn under oath ) pursuant to 28 USC 1746. I am demanding that all reporting to all consumer reporting agencies- ( TransUnion XXXX XXXX XXXX XXXX ) cease immediately.
Product: Credit card

a capital one bank account was opened in my name in XXXX in the year of 2021 for the amount of XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Reinvestigation and Validation of Procedures Dear [ Transunion ] : I am writing to you regarding the previous investigation conducted on [ The account XXXX XXXX I have asked them to verify the payments since the payments are inaccurate. In Transunion it appears that it has been paid and in other bureaus it appears that payments have not been received. I want them to delete the account since it has many inaccuracies. They are not reporting the information correctly ]. Despite my request for verification and updates to certain incorrect or unverified information, the requested changes have not been reflected.

Under the CARES Act, FCRA ( Fair Credit Reporting Act ), and TILA ( Truth in Lending Act ), I request that you provide specific documentation and the methodologies used in the verification process. This request aims to ensure that the information reported complies with current regulations and that the data reflected on my account is accurate and properly verified.

I believe that the current data negatively impacts my financial profile, and according to the FCRA, I have the right to a fair, accurate, and complete investigation of any disputed information. If you can not provide documented and clear evidence of the accuracy of the information, I urge you to promptly delete or correct it.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Thank you for your prompt response and for sending the requested documentation to proceed with this matter. 

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

I am writing once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. 
I have also directly contacted the company associated with these accounts, and they have confirmed the removal of the accounts. Therefore, I am puzzled as to why these accounts are still being reported by your bureau. 

It is imperative to recognize that as a credit bureau, you are legally mandated to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only violates this obligation but also exposes me to further harm. As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding this fraudulent accounts, and following this submission, XXXX and XXXX have removed these accounts from their records. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My property underwent a loan modification in XXXX when the housing market had fallen. At the time of the modification, I had 2 lien holders, which were supposed to be included in the load modification. When the modification was complete, I was contacted by 1 loan servicing company, XXXX XXXX XXXX. I began making payments and missed no payments. 

Eleven years later on XXXX, I received a letter from a servicing company named Statebridge Co. introducing themselves as my mortgage servicing company. On XXXX, Statebrige stated that I owed {$120000.00} and they wanted me to pay it all at once or apply for a loan modification or reinstate the loan. My only servicing company, XXXX XXXX XXXX, had no knowledge of any other outstanding loan nor were they not contacted by Statebridge to cure any loan balance, plus I had never missed any payments with my one and only servicing company. 

I requested to reinstate the loan and applied for a loan modification at least 3 times but were denied all requests by Statebridge. 

On XXXX, Statebridge put my property in default. On XXXX, I filed bankruptcy to avoid foreclosure with XXXX XXXX XXXX but it was dismissed XXXX. My house was wrongfully foreclosed on XXXX during the COVID-19 while the courts were closed by XXXX XXXX XXXX attorney XXXX XXXX for new owner, XXXX XXXX XXXX XXXXXXXX XXXX or XXXX XXXX  XXXX XXXX XXXX who both are NOT registered to do business in California. I wasn't properly served nor had an opportunity to attend an auction to bid on my property. On XXXX, an eviction judgment was granted and on XXXX, I was locked out of my house by the Sheriff.

I am a victim of elder abuse and predatory lending. I am XXXX years old. I had been in my house since XXXX. My loan modification requests were not honored by Statebridge. I wasn't properly served of a foreclosure taking place during the COVID-19 pandemic. My house was wrongfully and fraudulently foreclosed by a business who is NOT registered to do business in the State of California which are XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX, XXXX. XXXXXXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX are stealing people 's homes and evading taxes because they're not registered with the CA Secretary of State. Their business address is not valid because a processor attempted to serve court papers, but no office was actually at the location. XXXX XXXX XXXX, owners XXXX and XXXX XXXX are selling houses for XXXX XXXXXXXX XXXX XXXX XXXX or XXXX XXXX XXXX, XXXX  who are not registered to do business in CA. 

All these parties involved needs to be exposed of the fraudulent transactions and put out of business. They need to be stopped in their tracks!!
Product: Debt collection

Receivable Performance management ( on Behalf of XXXX XXXX XXXX ) Address : XXXX XXXX XXXX XXXX XXXX, Washington Zip : XXXX Phone # : XXXX They reported a derogatory remarks to the credit bureau and damaged my 10 yrs clean credit records based on the failed communication. This debt collection agency failed to communicate to me and within few trial of communication and based on the failed communications. This debt collection agency did not try to reach out to me in enough means before damaging my credit history. 

I would like to pay off the balance ( {$60.00} ) with this agency and I want them to remove the derogatory remarks about my credit reporting. 
I want consumer finance to help me in this situation and resolve this unfortunate circumstances. I would like to pay off the tiny amount to the agency and I want the debt agency to remove the remarks in my credit history. 

Thanks, XXXX XXXX
Product: Debt collection

XXXX - fathers XXXX took my money from account mom and I shared. 

XXXX - account is now frozen and no checking status and being accused of fraud and knowing alleged fraudulent checks are being deposited by me, given by my mother or father. Berated multiple times during phone call despite being XXXX and in a different city of father and not knowing of XXXX or what a XXXX  is
Product: Credit reporting or other personal consumer reports

JPMCB AUTO Date opened Balance Status XX/XX/year>XXXX  {$29000.00} Open.

According to 15 USC 1666b late payments must be removed from my credit report
Product: Credit reporting or other personal consumer reports

Ive Ask Transunion, XXXX and XXXX to delete all my old addresses and phone # and to update my information and they didnt 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: Debt collection

I have no knowledge of this account and the agency has been unable to send me the documents I have requested I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report.

Per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days.
Product: Credit reporting or other personal consumer reports

As of XX/XX/2024 there is inaccurate reporting information on my Experian, XXXX, and XXXX credit report. My name is incorrect and missing generation identifiers. The law prohibits the reporting of inaccurate information reporting and must be removed, not updated by law. There are several accounts across my credit reports with variations of a name similar to mine but not me. These accounts need to be removed by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XX/XX/2020 XXXX CO XX/XX/2020
Product: Mortgage

Nations Reliable Lending XXXX XXXX XXXX office in Ohio has a XXXX XXXX insurance agent XXXX XXXX XXXXdirecting business inside the building forcing customers to go with this insurance agent or the loan is not approved all so the loan officer and owner of National Reliable lending can get a percentage of premium. Not looking out for clients best interest. Only looking for kickbacks.
Product: Debt collection

first progress had XXXX account # XXXX # XXXX acct # XXXX that they alleged that i owe i ask them to send some type of agreedment i had with them in they sent paymnent history i do not owe this debt please have them to verify the debt i also made a call with the company they transfer me to relant collection when the rep had a very nasty attitude as i told her i want them to stop cease and assist any reporting she than said 1st progress has the debt but not collecting in it and she has no knowledge on the above references hung up on me please help me to related the messages to show proof of the debt. also to remove all information i sent a ftc report in a police report they did not hornor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a CLOSED credit account at XXXX XXXX which is disputed and affected by a natural or declared natural disaster. The FCRA and XXXX XXXX protocols require reporting my CLOSED account as ( 1 ) disputed and ( 2 ) affected by natural or declared disaster. However, my XXXX, Equifax and XXXX credit reports fail to accurately reflect that my account is disputed AND affected by a natural or declared disaster. Therefore, my credit reports are inaccurate and not complete for failure to contain the mandatory information. Either delete my XXXX account or include the statutory reference that my account is both disputed by consumer AND affected by a natural or declared disaster.
Product: Mortgage

I have a mortgage with XXXX XXXX XXXX  but the payment processor is Dovenmuehle Mortgage ( with whom I am disputing ). I have never been late on a payment, however in XXXXXXXX XXXX XXXX I was laid off. I requested forbearance and was approved for 6 months between XXXX and XXXX with payments resuming in XXXX. Still with being laid off I maintained my mortgage payments up until my forbearance began and was never late. When XXXX came I made my normal mortgage payment of over {$2900.00} and the rest of the balance that had accumulated over the course of the forbearance was approved for deferral to be paid at the end of my mortgage 's maturity. My deferral agreement states I was never late and did not owe any late fees. Also my forbearance agreement that I signed did not specify that I would be reported negatively to the credit bureaus while in forbearance. Depsite the forementioned I was reported more than 120 days past due on my mortgage for late payments during the time I was in forbearance ( from XX/XX/year> to XX/XX/year> ). This has ruined my credit and has cost me personal and business opportunities. I tried to work it out with the company and was actually successful. They updated my credit report and my credit was repaired. However, it was reported negative again and now they are unwilling to remove the negative remark again. I know they can use their discretion to decide who to report and who not to and I believe I am being targeted. I feel vulnerable and distrusting as a XXXX XXXX  living in a XXXX  area under this mortgage company with the history of mortgage companies unfairly treating people like me. I have never lapsed in my mortgage payments and have maintained a responsible relationship with the company since initiating the loan. I believe this remark on my credit report is unfair and inaccurate as they have already corrected it and are now incorrectly reporting it negative again. I have documentation where they have given me different and inconsistent reasons for marking me negative which again lends me to believe I am being targeted due to my race and where I live. I believe a breach of contract has happened ( violating signed forbearance agreement ) and a violation of fair debt collection practices.
Product: Consumer Loan

On XXXX XXXX, 2015 I purchased a new vehicle and attempted to trade in my car previously purchased from the dealer. At which time the car dealer where I purchased said I was up side down on the car. So I placed a down payment on the new purchase ; that Monday XXXX I placed a call to Ally Car Financial and informed them of my purchase and explained the situation to the Customer service person. At which time I asked them to take possession of the car. The customer service rep place me on hold and stated she would contact collections and explain then transfer me ; she returned from on hold and stated she could not transfer me because collections were refusing to speak with me. I informed them of where the car was located to retrieve and that I would not be making anymore payments. Since they have not picked up the car my credit is being affected by the delinquent payments. I know the repossession will affect my credit which is my decision but the delinquent payments are due to their refusal to pick the vehicle up.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15. U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C. 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

I have not issued any written consent or instructions for this to be listed on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been making payments on my student loans, and I have disputed all three of my student loans on my credit report, yet the lender AidVantage continues to provide inaccurate information to the three credit bureaus. The correct & accurate balances for all three of my student loans have not been accurately reported to the three credit bureaus at all whatsoever even though I have disputed this inaccurate information on my credit report THREE TIMES already. AidVantage IS NOT REPORTING THE CORRECT UPDATED BALANCES to any of the three credit bureaus to which I have disputed this incorrect information regarding my correct student loan balances which gave not been updated on my credit report. My total student loans balances are not {$4800.00}. Please have this updated & corrected, thanks so much.
Product: Credit card or prepaid card

THIS IS NOT A DUPLICATE COMPLAINT This is a follow up to complaint XXXX Wells Fargo responded to my initial complaint but it did not address my main concern. A balance transfer was completed without my permission, without me requesting it and they are claiming that when I requested a balance increase that I did and that is incorrect. 

I replied to the their response with this : Hi, Wells Fargo response has incorrect information. When I requested a credit limit increase to {$13000.00}, I never asked for the balance transfer to be automatically done. I never gave the representative information on my XXXX or XXXX account for Wells Fargo to one, know the balances ; two, know my account numbers ; three, know which companies I had credit cards with. I understand that balances and company names are available on my credit report but where did you get my account numbers? Why was there a balance transfer that I never requested? 

MY ISSUE IS NOT RESOLVED. THEY ARE DENYING XXXX  OUT MY BALANCE. I want them to be held responsible for continuing to do things for customer that their customer did not request. They continue to do this and have recently gotten out of a huge scandal but they are not stopping.
Product: Credit reporting or other personal consumer reports

XXXX XXXX said no one took a mortgage out in my name, as it is clearly still affecting my credit score at a high alert so i don't understand.
Product: Credit card

I have purchased 3 XXXX XXXX XXXX XXXX  from a vendor named XXXX. Because these items arrived too late, I requested for the items to be returned for a full refund. The vendor informed me that I would need to take care of the return by myself. 

I purchased a UPS return label with tracking number XXXX and shipped the items back to vendor. Tracking clearly shows that the items were successfully returned to the vendor. Despite that, the vendor claims that he has not received the merchandise and refused to refund me for the return, which I've made according to their policy. 

I've opened dispute XXXX with Amex but have been unable to get an Amex rep that actually understands the case and evidence and supports me on this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed some items that are not mine on my credit report. These items need to be deleted from my credit report XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, University of XXXX, US Dept Vets. There were inquries as well that are not mine XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX/XXXX   XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted the FTc and my local police, Im also doing this on my own behalf.
Product: Credit reporting or other personal consumer reports

I have tried to update my address to a mailable address Experian refused to complete the request by stating all history is suppose to be reported to my account that it shouldnt be reporting accurately. I called on XX/XX/XXXX at XXXX XXXX XXXX. I have the documents ready to submit for my change! This is a violation of the FCRA and he stating that I maybe telling the truth and he will not remove it although it is reporting inaccurately.
Product: Mortgage

WELLS FARGO, BROUGHT ME TO COURT ON FORECLOSURE, THEY FORCED ME TO HIRE A LAWYER, WELLS FARGO SOLD MY MORTGAGE BEFORE FIRST DAY OF COURT, I SUED WELLS FARGO FOR FAKE FORECLOUSURE, AND FEES, THEY JUST WALKED OUT OF COURT CASE WAS DROPPED. 
XXXX MORTGAGE SCAM COURTS ARE ALL CORRUPT, XXXX MOST CORRUPT CITY IN AMERICA BY XXXX XXXX XXXX. NO LAWYER WILL SUE WELLS FARGO BANK
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the information with all three credit agencies several times and they have not done a proper investigation into XXXX XXXX XXXX. I sent them a letter directly and I received a reply back please see attached. Please have them remove the information off of my credit report.