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

Around XX/XX/XXXX, I mailed a check by placing it in the collection box at a US Postal Service facility in XXXX, NC. The check was made out to the City of XXXX in the amount of {$150.00}, On the evening of XX/XX/XXXX, I decided to check my XXXX XXXX account, and I quickly noticed that the balance was {$0.00}, and upon further investigation, I saw that the check I had written to the City of XXXX had been altered by the person " whiting out '' City of XXXX, replacing it with his name, XXXX XXXX, and changing the amount to {$10000.00}. XXXX XXXX then made a mobile deposit into Regions Bank. My XXXX XXXX branch filed a claim with their corporate office on XX/XX/XXXX, and I immediately contacted XXXX Police Department and filed an incident report. I also filed a report with the US Postal Service. Unfortunately, despite numerous phone calls by me to speak with a XXXX XXXX investigator, no one ever called, except to state that numerous attempts were made to contact me and my phone just rang and rang. Please note that my cell phone never showed any missed calls or voice mail messages. Misinformation was provided to the detective by XXXX XXXX regarding the bank that received the deposit, delaying time. I found out on XX/XX/XXXX that the receiving bank was Regions Bank. NC Attorney General 's Office has informed that Regions Bank is a state-charted bank out of XXXX. XXXX XXXX has informed me that there is nothing I can do if Regions bank does not return my {$10000.00}. I just want to be made whole. I feel as if there is nothing I did to become a victim of this crime, except to mail a utility bill through the USPS. One can easily see that my check was altered. Regions Bank apparently accepted that check, despite the obvious changes that had been made to it. I am hoping that Regions Bank does the right thing by quickly returning my money to XXXX XXXX so that I can continue to pay my bills. I strongly believe that the loss of {$10000.00} would be significant for the average person. I would greatly appreciate any assistance you can provide. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX  - XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I was shocked to see inaccurate accounts pop up on my credit report today with no explanation. I regularly check my report, but this time, there were unexpected discrepancies. I even refreshed my browser, thinking it might just be a glitch, but the incorrect accounts remained. Im really hoping the documents I provided will be reviewed closely so I can finally have peace of mind.
Product: Credit reporting or other personal consumer reports

An account was opened in my name I was unaware of, and I closed it before the line was used or activated. I contacted the company directly to report the issue and requested it be removed from my credit report. After 30 days, the account was closed, but they are still insisting I pay the annual fee for the account I never consented to. 

I refused to pay, and as a result, my credit score dropped XXXX points due to a delinquency on an account I never opened. 

Shame on this company for not treating consumers and having life altering negative access to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a XXXX representative called me to alert me that my payment was late. I was surprised since I thought my account was on auto pay and since I was on paperless statements I had no indication that my payment was late. With learning of my oversight, I immediately paid my accounts full statement balance. I regularly pay my full statement balance. I keep close track of my FICO score and several weeks later my score took a huge plunge by over 50 points. Upon checking my credit reports, I learned that XXXX filed a 30 day late with the three credit bureaus. On XX/XX/XXXX I wrote XXXX customer service department and asked for a GOODWILL REMOVAL OF LATE PAYMENT since the reporting had a devastating effect on my credit score. Upon researching this topic I learned that a company does have the ability to remove a 30 day late reporting, it is called a GOODWILL REMOVAL OF LATE PAYMENT if they choose to do so. On XX/XX/XXXX XXXX customer service and operations center replied stating that their reporting was accurate and they would not be taking any other action. On XX/XX/XXXX I wrote to president of XXXX explaining my oversight and asked for a GOODWILL REMOVAL OF LATE PAYMENT as I had been a MVC ( Most Valued Customer ) since XXXX. On XX/XX/XXXX I received a reply from XXXX stating that their reporting was accurate meaning they will not remove the 30 day late reporting to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

The three ( 3 ) major Credit Reporting Companies claimed that the reason ( s ) why my Credit Score was low is " due to the length of times that open accounts have been active and the number of times lenders accessed your Credit report because you applied for Credit or for a Loan ''. This can not be correct or the complete reason for the low Credit Score. I have had open accounts for more than 24 months without ever making a late payment without just cause and regarding the amount of Credit Inquiries once I share my Social Security Number with a company I have no control over the amount of times they request my Credit History information for whatever reason ( s )  or who they share the Social Security Number with. The Credit Score should be based on the number of accounts, the way the accounts are being managed and the feedback that 's offered by the grantors.
Product: Debt collection

There are accounts on my report which do not belong to me. These accounts are hindering me from obtaining new credit and thus causing me much hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested a copy of the consumer report concerning me and have yet to receive one.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last week I made calls to all 3 credit bureaus about multiple hard inquiries showing on my credit report from XX/XX/XXXX-XX/XX/XXXX, this was around the time that I purchased a vehicle. I was told by the dealership that it would count as 1 hard pull but it ended up putting double digit inquiries on my reports. These inquiries have been disputed multiple times through a credit repair agency and nothing has come off. Im sending this same complaint to all 3 bureaus because its not fair to not take credit disputes seriously for the sake of keeping people in a cycle of having challenged credit. Im in the process of starting a second business & have had to pay for things out of pocket to keep my first business afloat. I need these inquiries removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX MO XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$230.00} XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$3000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$680.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states consumer reporting agency can not furnish account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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 Sectio 2 : It also states consumer reporting agency can not furnish an account without my written instructions.

Proof has been sent numerous of times without any update on the report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX several times regarding this Fraudulent Account listed on my credit report. The First time of contact was XX/XX/XXXX I have sent in proof that the account was opened fraudulently as well as an FTC report. The company assured me over the phone that the account will be removed but each month reports the exact opposite to the credit bureau. XX/XX/XXXX I contacted the XXXX high risk department to let them The information they are reporting is a violation of my rights and the account was opened fraudulent the representative told me they closed the account and will continue reporting it to the credit bureaus. This company is reporting false information which violates my consumer rights which is a direct violation of The FCRA standards.
Product: Credit card or prepaid card

I went in the store and made a {$52.00} credit card payment, it was taken out of my bank account on XX/XX/2022 and today is XX/XX/2022 and it was never applied and I am being told that it was never made and never paid. I have a receipt proving it was made. I have called every number possible for customer service. I am getting nowhere with the company and being told I cant be helped. This was also turned it in to my credit report as a missed payment and took XXXX points from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent in a XXXX dispute letter to XXXX stating that the item United Wholesale Mortgage do not belong to me and I would like for them to verify the information showing that it does belong to me. I received a response from XXXX on XX/XX/2022 stating that item was Updated and remains on my credit report.
Product: Student loan

I worked for a non-profit organization for 10 years, and tried several times to change my repayment to the Federal Loan Forgiveness program, but was with XXXX XXXX and then Navient, and was always told I didnt qualify. I have several classmates with loans from other lenders who have had their loans forgiven while I am still paying. 
In addition, I have been out of work for a year, and had my loans put in deferment when I should have been offered enrollment in the income based repayment plan. This was never offered to me. Now Im out of deferment and required to pay while still not employed. Im paying my student loans from my XXXX! When they should have been forgiven a year ago!
Product: Money transfer, virtual currency, or money service

The XXXX paid an auto claim payout to me thru XXXX in the amount of {$7600.00}. I was forced to open a venmo account to receive it. Venmo released {$4500.00} to me but then would release any more, and I needed {$5100.00} to pay for the vehicle replacement, which Id paid a {$600.00} deposit on. Over several days, phone calls, chats, and emails not once was I told to submit my ID or that my account was frozen for being in violation until yesterday. Upon receiving that I immediately submitted my ID. Today I received an email from XXXX thanking me for the ID but closing my account and keeping {$2900.00}. Im losing my car, half my insurance payout, {$60.00} @ deposit, and the final payout from my insurance company for failing to replace my vehicle within the 30 day timeline. Through no fault of my own. I have screenshots of everything.
Product: Debt collection

I HAVE BEEN RECEIVEING MULTIPPLE PHONE CALLS EVERY DAY AT DIFFERENT TIMES FROM A COMPANY NAMED CONVERGENT OUTSOURSING. THEY ARE ATTEPTING TO COLLECT {$260.00} FROM A XXXX ACCOUNT I CLOSED LAST YEAR. I DO NOT OWE THIS MONEY. I CALLED XXXX AND ASKED THEM TO SEND ME A COPY OF THE INVOICE THAY ALLEGE I OWE BUT THEY NEVER SENT ME ANYTHING. ON XX/XX/XXXX CONVERGENT OUTSOURSING REPORTED THIS DEBT ACCOUNT TO XXXX CREDIT BUREAU, WHICH MADE MY CREDIT SCORE GO DOWN CONSIDERABLY.
Product: Mortgage

I was paid ahead on my mortgage due to bi-weely payments. I was about to have a reduction in my child support so I called Wells Fargo to seek a loan modification on my mortgage, thinking the possible reduction in my mortgage would make my finances easier to manage. I was instucted at that time to stop paying my mortgage and fall three months behind because that was the only way I could apply for a loan modifcation. Once I fell three months behind, which took about six months because I was paid ahead, I reached out to WF bank and they took an application for a loan modification. They kept requesting the same documents over and over and strung the process out even though I was being assisted by a loan modification agency on XXXX XXXX XXXX XXXX XXXX. We did everything they asked us to and sent all documents. Wells Fargo and the assting agency assured me that as long as I was in loan modification status my home could not be foreclosed on. They never approved my loan modification and continuously requested documents previously submitted multiple times by the agency and myself that were sent to them. A friend called me one day and informed me my home was on a foreclosure list. When I called WF to inquire about the foreclosure info they assured me I was not. But then the letters started to come from their attorney and the harrassment began. WF denied that the foreclosure process was valid. They instructed me to ignore the letters from the attorney as they had me in loan modification status and I was fine. But the letters kept coming and they reported they would reach out to the attorney and they had the final say over all foreclosures. Through the process of the foreclosure it was discovered that Wells Fargo was only my loan servicer and NOT my lender, when asked to reveal the lender, they could not and on 3 seperate occasions provided 3 different alleged lenders to include a warehouse but Never themselves. When I requested to have the courts review my note, WF attorney said they had it in a vault in their office. I asked the judge to make them present it to see who I owed and she did not. I later found forged documents in my paperwork and robo signed documents by XXXX XXXXXXXX  In spite of all of this being clearly brought to the judges attention she ( XXXX XXXX, XXXX XXXX XXXX  allowed my loan servicer to take my {$120000.00} home with no loss to them ever being verified. As a result my family and I ended up homeless. I had lived in my home for 20 plus years at the time, XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. XXXX, FORECLOSED and evicted by sherriff 's office ( beginning XXXX - XXXX XXXX ) When we went to the sherriff 's office to try to make them aware it was an illegal foreclosure and to get paprework stamped the sherriff made us wait a long time, came out and kept his hand on his weapon the whole conversation eventhough we wer orderly and civil.
Product: Credit card or prepaid card

After 8 years of holding my credit card at BECU, something happened to get my card removed from auto-pay status. I received no letters or messages of any kind to inform me of this or the resulting late payment fees and eventual closure of my account. This happened over the course of only 2 months between XXXX and attempts to work it out with the bank have gone no where. I 'm not sure what I can do here, but I figured these kinds of shady practices needed to be reported somewhere.
Product: Checking or savings account

First, this is the XXXX time ive had to deal with my account being hacked.. I previously made a claim and the claims dept finally reimbursed me. This has taken countless hours of my time.. away from my job, to call, go through the motions, haveing my card stopped, getting a new card.. XXXX in XXXX year!! 

I can't call anymore.. it's exhausting.. 
On XX/XX/XXXX my account is hacked, again, money is transferred from my investment account to my checking account and then proceeds to be sent. The amounts spent in XXXX mind you.. i don't live in XXXX, XXXX haven't been there since XXXX. The amounts are : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. 

I talk to claims they acknowlege I've been hacked and then to proceed to give me a refund on XX/XX/XXXX which they did. 

On the XXXX of XXXX I received a statment to my mobile app stating : {$XXXX} would be removed from my account by or before XXXX. 
I called spoke to a rep XXXX on XX/XX/XXXX who agreed and put in strenous note in my account stating the fact and that i was not responsible. 

But it happened today, regardless of my call etc. So here I am again. This is getting very troubling from a consumers side of this matter.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a concerning issue regarding my recent credit report. Upon reviewing my credit history, I discovered an unauthorized inquiry that took place on XX/XX/2023. This inquiry was conducted without my knowledge or consent. 

I have not provided authorization to any entity for this inquiry, and I am deeply troubled by this violation of my privacy. I have taken immediate action by disputing the unauthorized inquiry with the relevant credit bureau and placing a fraud alert on my credit report. 

I kindly request the Consumer Financial Protection Bureaus assistance in investigating this matter. I believe it is crucial to address and resolve this issue promptly to prevent any potential negative impact on my credit score and financial well-being. 

In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without my written instructions '' Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.
Product: Mortgage

My mortgage recently got moved to Newrez LLC. They made a bunch of errors. Took the money out and they put it back for the XX/XX/year> payment. They did a wiretransfer which was wrong. My bank charged me {$15.00} for a wire transfer fee which Newrez needs to refund. I spoke to a " supervisor '' XXXX XXXX XXXX XXXX and he told me to upload my bank statement to show the wire transfer and it will be refunded. As of XXXX, it still has not been refunded and there's been no communication from Newrez. 
I called to speak to XXXX XXXX XXXX and was told he was busy. I asked that he call me back and he never did. 

In the meantime I stopped ach payments out of my bank account. Yet after stopping the payment, they proceeded to withdraw XXXXXXXX XXXX  payment out of my bank account. 

Please look into this company 's shady process and also I want the XXXX wire transfer fee returned to my bank account asap.
Product: Credit reporting or other personal consumer reports

Hi, Recently, I did an investigation on my credit report and found several items and inquiries on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.A Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. ( I NEVER HAD A XXXX XXXX, NEVER ACTIVATED, NEVER USED )