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

I went to Fifth Third Bank to wire money to my sister is XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX the transfer did not go through, however, I was charged a fee of {$5.00}. I went bank to the bank the next day XX/XX/XXXX, they did the wire again, it did not go through ; this time I was charged {$25.00}. I went bank on XX/XX/XXXX and did a third wire transfer ; I was charged another {$25.00} even though the wire did not go through. The following day XX/XX/XXXX I went to the bank and got a cashier 's check and overnight it to my sister. I tried to get the answers of why I was being charged if there was no service performed and the agent told me the problem was at the wire department. I was not very happy with the treatment so I moved my money to another bank and decided that I would close the account when everything was resolved. 
Before I was able to close the account they levied another service charge of {$230.00} on my account. 
Also, I received a deposit of {$91.00} on XX/XX/XXXX into my account and the bank also took my deposit. I have been to the bank six times and the only answer I received was that I have to talk to the wire department. I have also contacted an official at the head office by email and she is basically giving me the same answers. The branch is blaming the wire department and the wire department is blaming the branch. I am totally exhausted going back and forth. Please help
Product: Debt collection

On XX/XX/XXXX, I received a pre-recorded phone call on my cellular v-mail for my ex-husband. The company stated they represented Direct Recovery Services. I have saved the message for my ex-husband in case he needs to hire an attorney. 

The call came from XXXX. It stated he has until XXXX on Friday to call back to make arrangements or they will proceed with further action. They even left his account number on my v-mail and referred to their website for payment, www.directrecoveryservices.com. 

XXXX and I have been divorced for 19 years. This company previously called my home phone number about two months ago. At the time I told them we were no longer married, had not been since XX/XX/XXXX, and to cease placing calls to my phone numbers. I also provided them with XXXX 's cell phone number which works and who he works for if they want to place a call there. They have absolutely no reason to continue to call any of my numbers to reach him. Furthermore, I worked in collections and was a XXXX XXXX earlier in my career ( XX/XX/XXXXs ), so I am fully aware of collection laws, such as the Fair Debt Collection Act. What this company is doing is nothing more than harassment. I have asked them to stop calling my numbers, they know we are no longer married, yet they continue to call anyhow. I am assuming they believe humiliating XXXX will get him to pay his debts. It won't. There is a right way and a wrong way to go about collecting on a debt. This company completely crossed the line and needs to be held accountable. 

I called the number back and a person named XXXX XXXX answered. He claimed to be an account manager. When I told him about the repeated phone calls, and before I had the chance to give him the account number or my ex-husband 's name, he told me he removed my name and phone number from the database and hung up on me. 

I am also filing reports also with the KS state attorney 's general and the XXXX. I have alerted XXXX to the problem and he will be filing as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with fair credit reporting Act XXXX account XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states the a consumer reporting agency can not furnish an account without my written consent.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, 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 account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX  has violated my rights 15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written consent.
Product: Credit reporting or other personal consumer reports

XX/XX/year>. Can not see score company did not furnished score.
Product: Credit card or prepaid card

On or about XX/XX//2018 I was shopping in a XXXX XXXX XXXX store. The cashier stated that if I gave her my DOB and SSN she would enroll me in a club that would provide me a store discount. She never stated credit card. She never stated my credit bureau file would be accessed. I gave her the information she requested. 

Both my XXXX and XXXX credit reports show an inquiry from XXXX XXXX / XXXX. I never authorized this inquiry. XXXX XXXX never had permissible purpose to access my credit bureau reports. 

The sales person lied and did not state this was actually a credit application. She only stated I would be joining the XXXX XXXX XXXX. 

In spite of the fact that XXXX XXXX illegally accessed my credit bureau reports, they never sent me the results of the credit application. They never sent any credit card. They never sent any adverse action notice or ECOA notice. This is also illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a home mortgage with XXXX XXXX XXXX, and our monthly premium was raised to {$4300.00} instead of {$3900.00} in XXXX 2017. I was negotiating with my home insurance company and attempting to remove the escrow acct with XXXX XXXX so we can pay our taxes separately. 
We processed autopayment in amt of XXXX on time, and we also have been paying our monthly payments for 1 month in advance, so our account has XXXX $ in excess, which XXXX XXXX did not apply to the deficit of around 500 XXXX All this happened within 30 days, and they reported me to credit bureau and it shows acct delinquent in the amount of {$300000.00}, and XXXX XXXX refuses to remove it. Our account with them is clear and in fact, we have a credit with them in amt of XXXX $ which they failed to apply to deficit.when we called them on several occasions, they are rude, and lie to us, they refuse to remove the false report on my credit. I have contatced their board of directors also, and therefore I want you to publish everywhere and have them correct this information with the credit bureau.
Product: Mortgage

Dear Phh or Ocwen loan com, I went to XXXX XXXX for a service. It was not for a loan modification which I never requested of them. they were unable to provide the service and I asked for a refund, which they did. I have a copy of the check given to them and a copy of the refund to me through XXXX XXXX XXXXXXXX. I didn't recognize until later that my loan was changed and split. I'm paying XXXX and I'm currently paying on the XXXX amount of the loan until XXXX and then they'll have me set to pay XXXX until. I never signed any paperwork giving consent to change my loan status for a loan modification. I was in jeopardy of being late or behind on the loan and it was no reason to ask for a loan. I saw where they had pulled my name from previous paperwork and copied it to appear that I signed for a loan document. This is designed to take my property. I've paid XXXX monthly for years now. This has been a misery too my life, worrying everyday how I've been duped. I've been caring for a parent during this time and things have changed and I'm ready to resolve this matter once and for all. I never received any paperwork asking me to approve, only by a monthly statement letting me know that my loan had been changed. I'll contact the lawyer 's office so they will know it as well and I have proof that I didn't pay for this result or request this change in my loan. I'm looking for my loan to be restored to its original payment form and loan going Forward! I was doing well on this loan on my way to total freedom in XXXX, if I Iive!
Product: Mortgage

I received a Jumbo loan in XX/XX/XXXX from Fifth Third Bank. It was a 7 year ARM. I have never been late, never missed a payment and in XX/XX/XXXX asked 53 whether they would refi my ARM into a 30 year fixed. I paid them the application fee, submitted all docs, incurred fees from my CPA and Tax attorney and book keeper to provide additional requested documents. My current payment is $ XXXX/month. The refi would have decreased the monthly payment, lower the interest and locked my into a 30 year fixed. 

53 which is the current lender, pulled a hard score of a medium XXXX FICO. After the pull, it obviously went down a few points. I am a preferred bank account holder, which was required to qualify for the refi. It requires a minimum balance of XXXX. 

After reviewing the entire application, it was denied. Regardless of the fact that 53 is my current lendor and I pay XXXX a month, never late. What 53 did was assess the value of my loan at a ARM, induced me into filing an application, paying a fee, incurring additional fees to produce additional requested docs, pull a hard score ( lowing my score ), which makes it harder to reapply, and determine that the refi at a lower rate is a lower payment and 53 prefers to have my locked into the ARM at a higher rate. 

I am livid and feel I was misled. This is a fraudulent scheme and predatory. Locking me into a higher payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  Acct. No. XXXX is OBSOLETE. 

Delete this account IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

5 months ago or so i was checking my credit and found all of these fraudulent medical accounts on my reports, i have and still have full coverage no deductible insurance coverage with XXXX XXXX and i have had it from the beginning around 10 years.i reported the fraud to the police in my area, also made a affidavit with ftc plus made numerous reports with you, all the fraud info was finally taken off .know i goto my transunion credit report and they are all back on plus a new one, which i was told buy that company XXXX XXXX XXXX it was sold to them by XXXX XXXX the same company that did the past frauds on my account. XXXX credit reporting agency is the only one that has not put them back on most likly because i have to pay them monthly to check my own credit file, but transunion and XXXX keep putting these same old fraud accounts back on my file they have been sent police reports, ftc affidavits, everything and they keep ruining my credit until i start paying them please help me enough is enough i am so tired of having to do this over and over every three or four months thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX. XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter and i started doing my research and XXXX XXXX XXXX  i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Debt collection

I recently received my updated credit report and there is a Collection agency named Conserve on my report trying to collect a debt. I discovered that in the state of Florida a collection agency must be licensed and bonded and it is against the law for them to do so. This company is not licensed in the state of Florida where I reside. I would like for this company to stop trying to cease this debt and also remove this collection from my report from all credit bureaus.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to file a formal complaint against TRANSUNION for their failure to remove fraudulent accounts from my credit report as required by law. 
I recently disputed several accounts on my credit report under the claim of identity theft, pursuant to 15 U.S.C. 1681c-2. I submitted a Police Report and an FTC identity theft report ( FTC Report Number : XXXX ) as evidence. The credit bureau acknowledged my dispute but has not complied with the requirements set forth by the Fair Credit Reporting Act ( FCRA ). 
Despite my initial request for the blocking of these fraudulent items, the following accounts remain on my credit report : XXXX. XXXXXXXX XXXX  Account # : XXXX Opened : XX/XX/XXXX Reported : XX/XX/XXXX 15 U.S.C. 1681i ( 7 ) - Description of Investigation : Pursuant to the FCRA, credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. To date, I have not received this required information. 

15 U.S.C. 609 ( a ) ( 1 ) ( a ) - Verification Requirement : Per the FCRA, you are required by federal law to verify all accounts and public information through physical verification of the original signed consumer contract and/or judgment ( XXXX ). Without such verification, there is a risk that erroneous or fraudulent information could be included in credit reports. Given the lack of adequate verification, I request the removal of this unauthorized public record information. 

Accuracy Compliance : Additionally, under 15 U.S. Code 1681e ( b ), you are required to follow reasonable procedures to ensure maximum possible accuracy of the information in my credit report. If the information can not be verified, per 15 U.S. Code 1681i ( a ) ( 5 ), I request that you delete any unverifiable information. 

Failure to Investigate Accurately ( 15 U.S. Code 1681i ) : After submitting a dispute regarding inaccuracies on my credit report, I did not receive a thorough investigation within the mandated XXXX timeframe. The results of the investigation did not adequately address my concerns. 

According to 15 U.S.C. 1681c-2, credit reporting agencies are required to block disputed information identified as resulting from identity theft within four business days of receiving a valid identity theft report. Additionally, under 15 U.S.C. 609 ( a ) ( 2 ) and 1681i ( 7 ), any unverifiable or inaccurate information must be removed from my credit report.

Inadequate Compliance Procedures ( 15 U.S. Code 1681e ( b ) ) : The bureau has not demonstrated that it has implemented reasonable procedures to ensure the accuracy and completeness of the information provided on my report. I am requesting detailed information on the procedures used during the investigation. 

I demand that the CFPB investigate this matter and take appropriate action to ensure that these fraudulent accounts are deleted from my credit report. I expect a prompt resolution to this issue and would appreciate any guidance you can provide regarding my rights in this matter. 
Thank you for your attention to this urgent issue.
Product: Payday loan, title loan, or personal loan

I applied for a loan from Mobiloans and requested for the funds on two occasions. On XXXX {$500.00}, and XXXX {$260.00}, loan total {$760.00}. My first payment was scheduled on XX/XX/ on my payday, which was a XXXX. I called Mobiloans on a XXXX  afternoon ( XXXX ) to update my new bank account, which is the time that is required to make any changes before payments are taken out. When I called Mobiloans, the representative made a 3-way call with me and my bank, and confirmed my new account. The representative told me that the payments should be processed in the right account on the due date. Come XXXX, Mobiloans did not process the payment as a way to charge me more finance fees. On that same day, Mobiloans added another hefty finance fee in my account. Between XXXX  to XXXX I was charged {$200.00} for fees on my {$760.00} loan. I called the lender on 4 occasions for them to explain the fees to me ; 1st  as to why they did not process the payment ; 2nd why they charged extra fees on XX/XX/ whenthey never processed the payment. The explanation did not make sense and they were unwilling to solve the problem, even after I paid them {$750.00} on XX/XX/. All my attempts to get them to solve the problem have been unsuccessful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to update my address on my consumer report
Product: Consumer Loan

I fell behind XXXX car payments with Chase Auto Finance on my 2011 XXXX XXXX due to temporary hardship. I was forced to authorize automatic payments from my checking account in order to show my efforts. 

As a scheduled payment was attempted, I realized that my bank rejected the request due to non-sufficient funds to cover the full payment of {$320.00} ( approximate ). I immediately contacted Chase to stop ALL checks from going to my bank and set up weekly payments until I 'm current on my loan. 

The agent advised that NO OTHER PAYMENTS would be requested understanding that the most recent request was being rejected. She advised my account would be noted regarding WEEKLY payments to bring my account current. 

During the work week, Chase called me and left a voicemail. As I was unable to take time from working, I did not receive the message. On Friday, the XXXX, the repossession company collected my vehicle approximately XXXX. 

I was caught off guard due to the arrangements set up with Chase the week prior, which I maid the first week 's {$100.00} payment and the following week would bring the account only 30 days behind. There was not an email sent ( my preferred contact method ) about my loan being at the point of potential repossession. 

Though I have asked for my communications to be reviewed to correct the errors, Chase insists that it is a valid repossession and the full amount, nearly {$14000.00}, will be needed in order to reinstate my loan and reclaim my vehicle. 

I 've offered to catch up all my payments ( {$300.00} x XXXX payments ) within one month 's time to bring my account back in good standing as my financial status has improved. However, without a vehicle, my efforts are hindered. 

Every day my payments get further behind, my credit score worsens, plus I now owe the repo company storage fees unless I alow the vehicle to stay beyond 10 days, leaving redemption into repossession status. 

No one at Chase is working with me to get me back on track from a bump in the road followed by an employees lack of training on my account status and possible effects. 

Please help protect me and my daughter from being without reliable transportation to her school and my work. 

My car payment history is not perfect, but I 've always had the ability to pay on them. Due to a divorce and unforeseen economy, my payments became an issue, but never neglected. I would always communicate this.
Product: Debt collection

My collections agencies refuse to send paperwork nor negotiate anything with me. I started to pay my debt just recently they refuse to make my credit report in good standing. I have n't received any mail about this debt either. The account balance is wrong also.
Product: Checking or savings account

My checking account and online banking with SoFi have been locked and restricted since XXXX XX/XX/2021 due to supposed suspicious activity. I attempted to call and email SoFi customer service on a daily basis and then weekly basis to no avail. All I received were automated responses and no call back to my numerous voicemails left. 

Finally, on XX/XX/XXXX or XXXX I received an email saying that my account had been closed since I did not address the negative balance there was due to a reverse on a provisional credit given to me. It was frozen so I was not able to deposit or remedy the e situation whatsoever. They also stated this would be reported to the IRS or any pertinent creditors. I am very upset by this and appalled by the lack of customer service or attention on SoFis part.
Product: Debt collection

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX and XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XXXX XXXX, XXXX, an auto loan account opened at XXXX XXXXXXXX XXXX on XXXX, XXXX under the account number XXXX, an collections account opened up at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$2000.00}, opened up at XXXX XXXX, XXXX on XX/XX/XXXX with a balance of {$3500.00}. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint requesting lexis nexis to provide me with the method of verification they responded they needed proof of my identity. Lexis nexis is stalling on validating their method of verification.
Product: Credit reporting

I have all these XXXX address on my report and live in XXXX. I have never been to XXXX, none the less lived there. There could be used for Identity theft and I would like them removed since they do n't even belong to me in the first place.