23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It XXXX Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : XXXX. The following personal information is incorrect XXXX : XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, SC XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

Predatory mortgage company. 

Specialized Loan Servicing bought my mortgage about 3 years ago. My original mortgage contract states that insurance and taxes are not to be escrowed. This company has started escrowing my insurance and taxes. My insurance original contact states that insurance is not to be escrowed. My insurance is paid until XX/XX/XXXX. My taxes have been paid for XXXX -XXXX and XXXX - XXXX. This company is taking my mortgage payment each month and putting it toward escrow and accusing me of not making my payments. They are threatening foreclose. I filed a complaint with this company in XXXX but have heard nothing from them. this company has to legally follow the terms of the original contracts. I have tried verbally and in writting to get this resolved, they refuse to acknowledge my concerns. 
LLC Specialized Loan Servicing XXXX. XXXX XXXX XXXX Co. XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX Fl. XXXX e-mail XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have a false collection account that showed up on my XXXX credit score as of today, XX/XX/XXXX. This false collection account shows up as : XXXX XXXX XXXX XXXX  The original creditor for this account is : SOUTHERN FINANCE/SMC Southern finance is a loan that I took out on XX/XX/XXXX. 

On XX/XX/XXXX XXXX EST, the account was PAID IN FULL for the amount of {$1100.00} and the company agreed to update the remarks on the account as " Paid '' on my credit report. 

However, as of today, the account shows that it was mysteriously " purchased '' by a debt buyer ( XXXX XXXX XXXX XXXX  ), which brings me to my original comment. This new collection account shows up with the following comments : " Collection account. {$860.00} past due as of XX/XX/XXXX. '' This is incorrect, it is illegal and I worry that this has re-aged the already PAID IN FULL collection account with SOUTHERN FINANCE. This item must be deleted from my XXXX credit report as soon as possible as it is affecting my ability to qualify with potential lenders.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I noticed on my Experian Credit report that XXXX XXXX XXXX XXXX., Account number XXXX, has an account OPEN for me since XXXX this is false and inaccurate. XXXX XXXX XXXX play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with the utmost accuracy. I request a thorough investigation into this discrepancies and urge you to provide " evidence '', such as STATEMENTS, DEMONSTRATING, THE LATNESS of any payments within any time frame in conjunction with this inaccurate info. If unable to furnish such proof I demand that this entire account be promptly updated to reflect their true status as ON TIME and closed or removed from my account completely. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

Global paymentts check collection account have no original creditor,. not compliance with FCRA
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I initiated an online MoneyGram transaction. I was sending {$1500.00} to my brother-in-law in XXXX ( XXXX ), TN. He is a police officer and needed some cash to make his rent payment and avoid an impending eviction. He was going to pick up the cash at a nearby XXXX  location. I entered my XXXX credit card information online to process the transaction. I got a confirmation back that my transaction had been accepted. A few minutes later in a phone call with MoneyGram, I was informed the transaction did not meet their anti-fraud security requirements and that the transaction was being cancelled by MoneyGram. 

On XX/XX/XXXX, I checked my credit card statement online and discovered, MoneyGram never refunded the {$1500.00}. I have also incurred additional fees from my credit card company for a cash advance. 

I called MoneyGram on XX/XX/XXXX. I was told the transaction was cancelled on XX/XX/XXXX despite having been told on XX/XX/XXXX that MoneyGram was cancelling the transaction for the above stated reason. I was informed it could take 3 to 10 business days from the XX/XX/XXXX date for the refund to be posted back to my credit card. If MoneyGram has the ability to instantly charge my credit card account, then they also have the ability to immediately process a refund or transaction cancellation. 

At no point prior to the transaction being completed by me online did MoneyGram clearly disclose their refund policy if the transaction was cancelled by MoneyGram. Had MoneyGram made this disclosure, I would not have completed the transaction. 

Now, my credit card issuer is expecting me to pay {$1500.00} plus the associated fees by the XX/XX/XXXX payment date, thereby creating an UNDUE FINANCIAL HARDSHIP. 

MoneyGram 's business practices are DECEPTIVE AND UNFAIR and do not protect the consumer against their unfair and possibly fraudulent business transactions. 

Despite similar complaints previously filed with your agency, MoneyGram persists in deceiving and defrauding consumers.Please refer to the following complaint numbers with your agency to see a LONG HISTORY OF DECEPTIVE AND UNFAIR TRADE PRACTICES : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 

I have now spent hours of my time trying to get back money I was rightfully due on XX/XX/XXXX. It is time for CFPB and the Attorney General to prosecute MoneyGram.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report- XXXX XXXX being reported as a charged off. Account # XXXX. Yet, I am paying XXXX - This account is not settled or charged off.
Product: Mortgage

I have applied for a loan modification In XXXX of 2020. I have called regularly to see how the application is going and what I should do next. Every time I have called, I have been told not to make a payment and that it takes 60-90 days to go through. We are well past that point and 2 managers have been involved trying to get the process to go through.

I have filed a complaint and the response was for me to start all over again. They will not acknowledge that they have lost my information and keep trying to say that they have sent me packages to fill out and have attempted to contact me regarding the issue. I have not received any paperwork from them and I had 1 phone call in the middle of the day during the week ( I work full time and can not take phone calls ) I need someone to call me and leave a message so that when I get a break I can call them back to resolve the issue. I feel like what they are doing is illegal. To start this process over will only result in more back payments being added to my loan amount.

I want a loan modification and would like to start making payments in the next 30-60 days. The rate of the current loan is double the current market rate and a 40 year loan would significantly reduce our monthly payment and help us get back on our feet and keep our home.
Product: Checking or savings account

Earlier this month I filed complaint XXXX related to a US Bank employee committing criminal fraud against me. US Bank did not address any of my complaints in their response ( not even an unsatisfactory response, but outright evaded them ). 

I have since been trying to get documents from the bank, namely a banker - XXXX XXXX or his predecessor in XXXX XXXX, MO - illegally/criminally allowing ( XXXX ) XXXX XXXX to add himself to my account without my knowledge, consent, or be being present for any notarization process. 

On XX/XX/XXXX I walked in, in person to the US Bank branch ( XXXX XXXX XXXX, XXXX ) to schedule an appointment with a banker to get these documents. I was scheduled with XXXX ( sp? ) at XXXX on Monday, XX/XX/XXXX. When I arrived for the appointment the branch was closed ( computer issues ). I called XXXX later than day at XXXX, left a voice mail- I have still not gotten a call back. I returned to the branch on XX/XX/XXXX, they informed their system was still down, but allowed me to leave a note to be called back to reschedule as soon as their phones were working. I have not yet gotten a call ; I called a few minutes ago, XX/XX/XXXX, and a banker answered ( their phone lines are working ). 

In the meantime, I scheduled an appointment with another branch ( XXXX XXXX XXXX XXXX, XXXX ) for XXXX this morning. I arrived a few minutes early ; the security guard demanded my dog wear a vest ( meets ADA definition of service dog ), which is blatantly contrary to the ADA of 1990/disability discrimination. To appease drama, I went back to the car to get my dog 's vest and returned - I pulled up the Service Dog FAQ on ada.gov to show the guard her request was blatantly illegal per federal law ; she refused to read it, so I read it to her. I then met the banker I had an appointment with, XXXX. She took my information and said she would call me back today or tomorrow, but first needs to contact their legal team ( to provide me witht documents to MY OWN account that I have spent now nearly a month requesting, via complaint her, via email, and in person at 2 branches ). Just documents ... thats all. Apparently I am not allowed access to documents associated with my own account ; specifically it seems US Bank might be willfully trying to keep these documents from me, knowing that they were fraudulent and will show criminal fraud on behalf of their banker. I assume this to be a comedy of errors, rather than a blatant attempt to collude and cover up the fraud US Bank ( not a third party I'm contesting - US Bank itself ) has already committed against me and potential related theft. I will need these documents immediately - not " ASAP '', rather as soon as a US Bank representative reads this.
Product: Student loan

In accordance with the credit reporting act this creditor has violated my right under 15 USC 1681. Section 6 O 2 states I have the right to privacy. 15 USC 1681 section 6 O 4 a section 2 or also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 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: Money transfer, virtual currency, or money service

I was having an account with Wise ( XXXX ). On XX/XX/2022, My account was accessed from the XXXX, though I am from XXXX. I received an email regarding this. Next morning I realized that my account has accessed by someone else. Wise should have detect this new login pattern and transferring {$72000.00} USD in just 30 seconds with 9 separate transfers and {$8000.00} USD each. The transactions happened when it was midnight for me and unusual time for me to login to my account. All are those payments were unauthorised and my phone wasn't working at that time. I didn't accesed Wise app on my phone nor I have installed Wise app on my XXXX XXXX XXXX phone. I also want to mention my account email was changed on that day. All these incident relates to account hacking and unauthorized access to my account. Wise at-least should have detected one of these. 

I also asked Wise on the month of XXXX, 2022, that how much money I can hold in my account? And, Wise response was there is no limit to hold the amount of money. As, I informed Wise about this, they should have more security measures or look-up on my account. If they told me that I had to verify myself first, then I should have withdrawn my funds to my local bank account from my XXXX account, rather than transferring it to my Wise account. I have all the screenshots and evidence of transferring my funds from my XXXX account to my Wise account. 
Moreover, my account was personal, not a business account on Wise. I delayed 15 day 's to report the inident because, the scam was so sophisticated that I was shocked at that time and I haven't got any time to response since the payments leave my account in 30 seconds. As, Wise didn't detect the scam automatically, I lost hope for a refund and on Wise part they say 's they don't take in part in dispute between sender and recipients. Though this is an unauthorised incident. 

It was lot of money for me. I am living on the streets now. I don't have any financial support or anything currently. Those were my only funds left. My life is stucked since XX/XX/2022. I am physically not well that I can do works. As I am a needy person that's why I am looking for a refund of my hard-earned money till now today after 1 year of the incident. Wise took 8 months to conduct the investigation, yet they weren't able to recover any funds and blaming me that I have been overpaid by mistake. All these things are goes against humanity. As, Wise is a regulated firm, they have a duty of care to their customers. They can't just ignore customers problems, when large amount of funds were stolen. I tried to commit suicide several times since the incident happened. Those money were for my treatment and medical expenses.
Product: Mortgage

I had my mortgage with XXXX XXXX XXXX. In XX/XX/XXXX, XXXX XXXX XXXX sold my mortgage to Seterus. I had no prior notification from Seterus about my loan is being transferred. I ca n't make my XX/XX/XXXX payment on the due date because I have no information where to make my payments. I wanted to verify my ending balance with XXXX XXXX XXXX but all of my prior information, including my prior monthly statements are all gone. I was finally able to sign up an online account with Seterus and got a copy of my initial statement. But there is no way I can verify the beginning balances with Seterus are correct. And I realize that they had charged me {$250.00} legal fee to my account. I dont believe its fair for me to pay for any legal expenses on sales transactions between XXXX XXXX XXXX and Seterus. When I called Seterus to complaint, they refuse to refund this {$250.00} legal fee. Instead they gave me a PO box address and told me to write a letter to that address. This is completely unacceptable.
Product: Credit reporting or other personal consumer reports

I have disputed with this creditor and I have requested bank transitions and proof that I was late with this creditor. The creditor never sent proof that I was late. The creditor has took over 30 days to update my account and preform an investigation. The creditor has illegally reaged my date late active XX/XX/XXXX-XX/XX/XXXX. Tranunion is missing date last active and is unverifiable. Tranunion failed to update my account and do a proper investigation. The creditor last reported XX/XX/XXXX even though I sent my dispute XX/XX/XXXX. Today is XX/XX/2023 I have not received an update of a reinvestigation from the creditor.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity-theft on XX/XX/XXXX and from that point on, I have been battling with unauthorized accounts being opened in my name, which one of the accounts was opened on XX/XX/XXXX, which is XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, and a 30-Day late payment, which was unauthorized by XXXX XXXX XXXX XXXX XXXX which is on a mortgage account on my credit file. These discrepancies are violating my rights under 15 USC 1681b and 15 U.S. Code 1681c-2. Therefore, Equifax is violating my rights and is still reporting these fraudulent accounts/ discrepancies on my credit file, which is a violation of my rights. Also, I have disputed these account several times, and when I called in a numerous of times, the representative says that they do not have my documentation that I sent in overnight certified mail, where I do have tracking numbers. Therefore, there is some unnecessary processes going on with Equifax and if these accounts are not removed from my credit file, then I will be filing a lawsuit and seeking damages of {$1000.00} per occurrence. Please correct this issue and comply with the law. Thanking you in advance!
Product: Money transfer, virtual currency, or money service

XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX - XXXX - XXXX - XX/XX/2023 - Subject : Urgent Request for Fast Investigation and Refund of {$130.00} Dear PayPal Customer Support, I am writing to urgently request your assistance in investigating and refunding the {$130.00} payment I sent to XXXX XXXX ( PayPal username XXXX ), who has proven to be a scammer. Despite multiple attempts to contact him through email and phone, he has become unresponsive and has blocked me on all platforms. This incident has left me defrauded and without the XXXX XXXX XXXX XXXX, named XXXX, that I was supposed to pick up after the payment. 

I have already taken the necessary precaution of activating PayPal 's payment protection at the time of the transaction. However, given the circumstances, waiting for three weeks to resolve this issue through the seller 's " amicable way '' seems impractical and unlikely to yield a positive outcome. It is evident that XXXX XXXX has intentionally deceived me, and his lack of communication and deliberate blocking of my attempts to reach him further support this conclusion. 

Considering these factors, I kindly request an immediate investigation into this matter and a prompt refund of the {$130.00} to my PayPal account. I believe that the evidence presented clearly demonstrates fraudulent activity on the part of the seller, and I trust that PayPal 's commitment to customer protection will be upheld in this case. 

Should PayPal fail to address this issue promptly and refund the funds in question, I will be left with no alternative but to contact XXXX XXXX my issuing credit card bank, and initiate a chargeback to retrieve the funds. However, I strongly believe that PayPal 's intervention and resolution would be the most efficient and desirable outcome for all parties involved. 

I have attached all relevant documentation, including screenshots of our communication attempts, transaction details, and any other evidence that may assist in the investigation. Please let me know if there is any additional information required from my end to expedite this process. 

Thank you for your immediate attention to this matter. I trust in PayPal 's commitment to customer satisfaction and look forward to a favorable resolution. 

Yours sincerely, XXXX XXXX
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. WELLS FARGO CARD SER XXXX, WELLS FARGO CARD SER XXXX and WELLS FARGO BANK XXXX
Product: Credit reporting or other personal consumer reports

I have fraudulent inquiries on my credit report that I demand to be removed immediately. I have already filed a report with XXXX, and FTC complaint also.
Product: Credit card or prepaid card

- XX/XX/2020 - American Express reduced credit limit by {$7500.00} without valid justification and advance notification. 
- I spoke to XXXX XXXX ( Rep # : XXXX ), and he stated that reason for credit limit reduction was due to increase in installment/revolving balance which is not true based on credit report provided by American Express, but rather reduction in balance of both installment/revolving accts is shown. Then, XXXX XXXX ( Rep # : XXXX ) changed his position stating that decision was made due to balance on American Express Account increased, yet 40 % available credit remains. I stated I took advantage of promotional rate at 0 % which American Express offered, reason for not paying down any significant amount towards balance, also always maintained good standing with account. American Express failed to access over all credit of card member, but decided to just looking at American Express account, not a proper way to assess someone's credit worthiness. 
- The CFPB and other financial regulators have encouraged financial institutions to help and work with their customers to meet their needs around COVID19 urgent situation, but American Express 's business practice doesn't reflect the effort, instead of helping, working with card members, American Express chose to create more hardship, knowing it may bring financial uncertainty for many people/card member who could experience a loss of income due to illness or workplace closures. 
- Also spoke to XXXX XXXX ( Supervisor ) ( Rep # : XXXX ), but couldn't provide valid reason, couldn't help. 
- Both XXXX XXXX/XXXX  XXXX lack in knowledge, lack customer handling skills, also failed to deliver fact, proper training is urgently needed. 
- Many of large financial institutions are diligently helping/working with their customers, going through tough time, but American Express chose not to, but rather to create a hardship for their customers with given COVID19 urgent situation.