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

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. 
I demand the accounts listed below be removed because According to 15 USC 1681 : I have the rights to privacy and i did not give Equifax written permission to furnish these accounts/ Inquiries : 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: Checking or savings account

On XX/XX/XXXX after banking hours, we learned that our company Wells Fargo accounts had been compromised and fraudulent charges had hit the account. We attempted to resolve this through online banking support with no success and myself and the other account owner ( my wife, XXXX XXXX XXXX went into the branch to have them resolve for us. 

While sitting with our banker in the branch, she could see numerous charges coming through from in-person bank withdrawals to e-transfers to other ATM withdrawals and XXXX large wire transfer occurring all over the country. At the time these were occurring, we were sitting face-to-face with the banker in XXXX, NC. The banker immediately filed fraud claims for us on all deposits but we were advised that we " needed to let the charges settle to the account before she could complete the claim process ''. The largest of these charges was a {$23000.00} wire transfer which Wells Fargo attempted to put a stop on. The stop did not work, and they filed a fraud claim. We were later informed that the amount listed on the fraud claim was {$0.00} and therefore the claims department had nothing to take action on. The claim was later revised and resubmitted by the branch, but we were told that they could not do anything further on this. 

We did receive credits for some of the fraudulent activity. Now, XXXX of those credits has been reversed without notice or without informing us of any findings on the side of Wells Fargo. We never received any credit for the {$23000.00} wire transfer. 

At the onset of these issues, we reached out to the FBI who initially followed up and were able to interview some of the branches where this fraudulent activity took place. 

On XX/XX/XXXX, having received no further updates from our local Wells Fargo branch, we escalated this matter to the XXXX XXXX  President ( Small Business & Retail ) - XXXX XXXX. While he has provided a return phone call to every email sent, we have only been told that " they are looking into how to fix this ''. 

Further, on XX/XX/24 XXXX of the previously credited fraudulent transfers ( Amount of {$4800.00} ) was reversed out of XXXX of the accounts. No information was provided as to the reason, and since it has been well established that all of the withdrawals in question took place around the country while the account owners were sitting in the branch office and it is impossible to have been a result of our own actions, we find no reason these charges should have been reversed. 

We were initially told that the institution had XXXX to issue provisional credits for any fraudulent activity. At 62 days past, we still have not received any credit for the wire transfer of {$23000.00}. We were additionally told that once a provisional credit is issued, the bank has 45 days to investigate further and make a final ruling. The provisional credit that was pulled was past the 45 day window.
Product: Credit card or prepaid card

XX/XX/XXXX my American Express credit card statement reflected a credit in the amount of {$380.00}. American Express listed the amount as a credit and then attempted to charge the amount for the amount credited. The amount was for a Travel Reservation that was cancelled. I contacted American Express customer services to inform them that the reservation was cancelled. American Express claimed to have investigated but did not. Responded back to me that they were rebilling me for the original credit that they previously issued and that the debt will appear on my upcoming statement. I rebutted the findings following the FTC " Fair Credit Billing Procedures. I responded to American Express via USPA Certified w/return receipt and again on XX/XX/XXXX. American Express did not respond. On XX/XX/XXXX I received a email from American Express informing me that I have a past due amount. New charges may also be declined. Per the Fair Credit Billing the period to resolve the dispute ( two billing cycles, but not more than 90 days has long past. American Express threaten to report to the credit agencies.
Product: Credit reporting or other personal consumer reports

I.C. System,INC.
XXXX XXXX XXXX XXXX XXXX  MN
XXXX XXXX  
I C SYSTEM INC IS REPORTING TO XXXX,XXXX AND XXXX THAT I HAVE ACCOUNT UNPAID , COLLECTION FOR XXXX   

THIS IS NOT ME AND THEY HAVE NOT TRIED TO CONTACT ME BY MAIL OR PHONE WHICH HAS ME THINKING THEY DO NOT HAVE MY PHONE NUMBER OR ADDRESS 
I STRONGLY FEEL THAT THIS IS BEEN FALSELY REPORTED 

THEY ARE FRAUDULENTLY REPORTING TRYING TO COLLECT THIS AMOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Equifax requesting them to please validate both bankruptcy information with XXXX. I received a response dated XX/XX/18 in which they show that this information was validated with XXXX. 
This is a blatant lie as XXXX has removed these bankruptcies from their files due to not being able to validate it. 

This is considered defamation, Negligent Enhancement of Identity Fraud and a Violation of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XXXX Amount : {$110.00} XXXX XXXX XXXX XXXX XXXX Amount : {$140.00} XXXX XXXX Account XXXX XXXXXXXX Amount : {$2300.00} XXXX XXXX Account XXXX XXXXXXXX Amount : {$270.00} I contacted this creditor ( XXXX XXXX XXXX ) on XX/XX/XXXX XXXX XXXX XXXX XXXX which is also the number that is furnished at the bottom of my consumer report for me to contact regarding this account. I requested to speak with a supervisor and explained I have not received a 1099-C form due to the account being written/charged off as loss/paid debt. It will then become taxable income for me to file which is prohibited to furnish taxable income on a consumer report per FCRA. The supervisor stated the account has been turned over to a collection agency known as XXXX and he can not provide me with additional information due to no longer owning the account. He then proceeded to transfer me to the agency. The line had given a busy signal and then disconnected. I then tried contacting them directly with the number the supervisor provided me which is XXXX and it never rings only to provide me with a failed call message. I would like this account to be removed from my consumer report as it is hurting my chances to obtain credit or continue with my homebuying process. I would also demand for the additional accounts that I have listed above to be removed as well due to not receiving a 1099-C form, the account being listed as charged off and the creditor not being able to provide me with additional information. These accounts have been disputed in the past beginning XX/XX/XXXX as well as validation of debt letters sent directly to the creditors on XX/XX/XXXX with no response.
Product: Vehicle loan or lease

XXXX XXXX capital one auto finance contacted Me in regards XXXX  my late payments. They assisted me when I was laid off from XXXX XXXX  XXXX. I made my payments. I then was hospitalized with XXXX from XXXX until XXXX. I asked for an extension. I was denied from XXXX, XXXX, XXXX  XXXX. XX/XX/XXXX the representative told me make a {$300.00} payment before XXXX  XXXX  the relief will begin again .XXXX 

XXXX XX/XX/XXXX, XXXXthey  called again asking for another payment XXXX  the car was on the repossession list. How? I have paid the amount!!! The representative stated they had no record of the Conversation on the day the payment was made!!!! No record!!! I went on XXXX  ask what the pay off amount would be. I paid {$27000.00} on the car. She told me I owed {$31000.00} XXXX XXXX. I said okay, I will pay it off. She said the pAy off is {$31000.00}!! Another {$31000.00}??? My bill if Sale with interest At 16.1 % shows {$34000.00}!!!! Why am I paying almost {$60000.00}!!!! She said it shows 12.4 % XXXX  she shows {$60000.00}! There is a huge discrepancy. Capital one violates the TRUTH XXXX  Lending act with the terms of the loan. In no way does it say in my disclosure XXXX  pay this much interest or over XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been part of the Equifax data breech. Ive been trying to fix this situation since XXXX of 2022. I have contact Equifax about this situation. I sign into there website to find out if I have been impacted I put my info in and I have been. I reached out to Equifax and they claim I have not been. I have the proof.
Product: Credit reporting or other personal consumer reports

I am being held responsible for a debt that is not mine which is delaying me from doing things I need to get such as a apartment and other such things with my credit
Product: Credit reporting or other personal consumer reports

Im writing to request the immediate deletion of the XXXX account ( Account Number : XXXX ) from my credit report. This account was previously deleted, and it was recently removed from my XXXX report as well. I dont understand why its been reinserted on my Equifax report, and I didnt receive any notification about this change as required by law. 

According to the Fair Credit Reporting Act ( FCRA ), if a previously deleted account is reinserted, the company reporting the account must certify that the information is accurate and complete. Additionally, Equifax is required to notify me in writing within 5 business days of the reinsertion. None of this happened.

Because these rules were not followed, Im asking Equifax to immediately remove this account from my credit report.

Heres what I need from you : 1. Delete the XXXX account from my credit report.

2. Provide proof that the company reporting this account certified it was accurate and complete.

3. Explain why this account was reinserted and why I wasnt notified.

Please handle this matter as soon as possible. I expect a response and resolution within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested validation of three accounts and was told my request for validation could not be fulfilled in writing. While the accounts are still being reported negatively to all major credit bureaus regarding the alleged debts. I have disputed the accounts with the credit bureaus and havent received validation from either party.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account has been on auto pay since XX/XX/XXXX. XX/XX/XXXX I get an alert that my account had a missed payment, which was untrue. I tried to reach out to the company and it appears that they are out went out of business, the phone number doesn't work nothing, meanwhile all the major credit agencies have been notified and the was back on XX/XX/XXXX, I have yet to receive a update, I called them and they are saying I just submitted dispute which was a lie, I am getting the run around
Product: Checking or savings account

ON XXXX/XXXX/22 I OPENED A SIGNATURE SAVINGS ACCT WITH TD BANK ONLINE WITH A XXXX DOLLARS BECAUSE TD BANK OFFERED XXXX DOLLARS BONUS IF I FUNDED XXXX XXXX DOLLARS IN THE ACCT WITHIN 20 DAYS. THE STIPULATION WAS IT HAD TO BE NEW MONEY AND I COULD NOT HAVE A SIGNATURE SAVINGS ACCT. I WENT TO THE BRANCH ON XXXX  XXXX IN XXXX NY AND DEPOSITED THE REST OF THE MONIES OVER XXXX XXXX DOLLARS TO MAKE SURE THERE WERE NO QUESTIONS BECAUSE THE BANK HAS RENEGAGED ON OTHER OFFERS BEFORE IN THE PAST.I SPOKE TO BANK PERSONELL BECAUSE OF THERE PAST HISTORY AND I WAS TOLD I MEET ALL THE REQUIREMENTS AND I WOULD RECEIVE THE BONUS OF XXXX DOLLARS.I WENT ONLINE AND PRINTED THE TERMS AND CONDITIONS OF OFFER BECAUSE THEY HAD A HISTORY OF THEM LYING TO ME IN THE PAST.I CONTACTED THEM 3 WEEKS AGO AND WAS TOLD THEIR BACK OFFICE WOULD EMAIL ME WHY I HAVENT RECEIVED THE BONUS IN MY ACCT.I CONTACTED THEM 3 TIMES NO ANSWER.I TOLD THEM IM A XXXX XXXX  DEALING WITH A LOT OF HEALTH ISSUES PLEASE DO THE RIGHT THING AND RESOLVED THIS PROBLEM.I HAVE NOT RECEIVED ANY REPLY.
Product: Debt or credit management

Third party company contacted me regarding for an old account already charged off.
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 XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I receive paper statements every month for my credit card. We get so many emails that it's the only way i can be sure to see my statement, check it and pay it on time. We just received a late payment notice and realized that we never received our XX/XX/XXXX statement in the mail. Somehow, we were enrolled in paperless statements. The bank says they have a record of that selection from an online session on XX/XX/2018. If I was online that day ( who can remember? ), I never elected this service. I believe the bank erroneously ( if not fraudulently ) enrolled us without our permission. This caused us to miss a statement and a payment. The bank was nice about this and waived both the interest and late fee - for which we are grateful. But I am still concerned that others are being forced or tricked into selecting paperless if they do not want it.
Product: Debt collection

Transworld System , Inc. 

CFPB - Are you serious to have this company under 3 big credit companies ' ( XXXX, XXXX, and XXXX ) profiles? Are these companies really serious about consumer credit history and doing business with Transworld System, inc.? 

The Transworld System , Inc. is unprofessional and not providing any information regarding dispute collection, I understand, you may not believe. 

Please visit XXXX XXXX XXXX  and click on contact us and let your consumer know where that link takes you. Can you contact them via email so you have at least a written record over a voice call? 

Calling them is a cycle of the circus - the call keeps forwarding 1 representative to the next and at the end the calls going in drop off. 

If still not believing, please visit and review the XXXX XXXX website regarding the Transworld system XXXX XXXX XXXX XXXX 

Is the CFPB agency going to do something with these types of companies or above three credit companies? These companies ruining consumers ' life to just file and report the dispute in our personal records for 7 to 10 Years. Is someone monitoring these 3 bureau agencies failing grades for consumers and their associate 's companies or customer will be always targeted and abuse by their services for life? 

I've disputed XXXX filing on my credit report, when I try to dispute using all 3 credit reports, no response found to resolve, they give me Transworld Systems limited info. The Transworld System even doesn't have proper communication contact information ready for the customer. What is CFPB looking for from customers to follow up? Could someone investigate Transworld System Customer service and their business practice and involve other 3 credit agencies and ask them why they are using Transworld systems on their behalf? I'm stopping here, you may find more information on the customers ' affairs website - Transworld system review. 

Thanks, XXXX XXXX
Product: Mortgage

On XX/XX/2023 I received an email about an escrow check that I needed to respond by XX/XX/2023 in order to receive. I called US Bank on XX/XX/2023 to received said check. The woman on the phone told me they had an old address and they would send to my current address. I called back on XX/XX/2023 and spoke with XXXX who told me that the prior woman did make a mistake and did not send it to the right the address ( it would take 10 business days to receive the new check ). XXXX put in a work order that stated it would be sent to the " right address '' but never updated my information. I asked if I could go to a US Bank to pick up the check, they said no, bc US Bank is check/bank but not lending/mortgage. Then on XX/XX/XXXX, I spoke with XXXX who said the check was sent on XX/XX/2023 and that it's in the mail to the correct address. I asked when I should call back to state I did not receive the check, he said either way, we can not cut another check until 30 days from the prior cut check. He told me it was being mailed from KY and there is no tracking number. I called Friday, XX/XX/XXXX, spoke with XXXX, who said it appears to have gone to the right address, but again, my correct contact info to-date had not been updated. She gets a supervisor, XXXX, who says " we didn't mess up so we will not overnight or track it, she has to wait for another cut check in the mail. '' I can not get assistance on them proving they've ever sent the check or provide assistance on a tracking number for the check.
Product: Checking or savings account

I have been banking with SunTrust for several years, SunTrust and BB & T have merged and Since XX/XX/XXXX I have had nothing but problems! Banking app is not showing all transactions, I had to call on the XXXX, XXXX and now will have to call on the XXXX. My husband and I each have a debit card, if he uses his and I use mine, .and transactions are not showing up on the mobile app I can't keep up with the balance. On.the XXXX I was on the phone for XXXX minutes and was hung up on, called back again, on hold for XXXX XXXX minutes to ask why my payment to XXXX XXXX XXXX was not showing..This was a debit and should have showed up immediately, was told by XXXX that they could see the payment on their end but it was not showing that it was paid. Today is XX/XX/2022 and debit is still not showing. Husband brought groceries today at XXXX 's XXXX XX/XX/XXXX used his debit card at around XXXX p.m still not showing up on mobile app, will have to call them again tomorrow XX/XX/XXXX and hold time will not be less than one hour. Branches forTruist are not taking phone calls at all. Left a message with branch in XXXX, Florida on the XXXX no return call today XX/XX/XXXX. I DON'T KNOW IF MY BILLS ARE GETTING PAID SINCE THEY ARE NOT SHOWING UP ON the APP! Certainly can not stay on hold for an hour or longer to be told that they don't know what the problem is. Husband works out of town and I do n't drive to get to a branch!!! These problems with the merger are on the news, XXXX, XXXX and XXXX. Someone has to help the customers!!! I receive Social Security and hearing horror stories from other customers that they did not get their direct deposit because the routing numbers and account numbers were changed. We all received letters stating that routing and account numbers WOULD NOT BE CHANGED. This bank is a complete mess. We live in a rural area of XXXX Florida and there are not really any other banks other than Truist around us. Please help?????
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed items that did not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items that are found to be opened due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

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 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: Mortgage

In  XXXX  of   XXXX   our home was damaged by superstorm sandy. The home is a duplex and the lower level was on grade and due to flooding has been unrentable and uninhabitable. In addition due to the damage and the state, city and  FEMA requirements we have to lift or demolish and rebuild the home. The home is a 2nd home so we were unable to get relief funds from the federal or state government. W e did recieve an insurance disbursement for losted items and replacement cost of sheetrock. We have spent about {$20000.00} on architects and engineers thus far.   In  XXXX  of   XXXX   we began to contact our Mortgage se rvicer OCWEN to se e what could be done to reduce our mortgage interest rate from 7.875 %. Are request was denied. In  XXXX  of   XXXX   we recieved the insurance disbursement of which just over {$15000.00} went directly to  OCWEN for property repairs. We contacted OCWEN to get an understanding of to use this money, mainly a procedural question, how many estimates were needed, what the funds could be used for, etc. OCWEN was unable to anwer the questions and each time we call we were confusingly transferred from department to department. To this date we still do not have comfirmation of the insurance money with OCWEN an understanding of how to access the funds and no one has ever called us from OCWEN to follow up on  our questions. In addition we have conta cted OCWEN directly by phone and via the website to request loan modification over the last almost 5 years. On the phone we have been transferred or told the request needed to be done online and online all requests have been denied. We have never missed a mortgage payment but due to the condition of the property and the mortgage being underwate r since   XXXX   we have also been unable to refinance with another bank or to secure a loan to rebuild or renovate the property. We have done everything possible to keep the city from condeming the home so that we do not lose our investment bu t OCWEN has not   attempted to help in anyway. We did not want to stop paying the mortgage and damage our credit but the burden is becoming unmanagable. If we sell the property it will be at a tremendous loss. We still have an interest of 7.875 %, we still do not know or have access to the insurance proceeds paid directl y to OCWEN and w e are in danger of losing our home.
Product: Credit reporting or other personal consumer reports

I was a victim of the XXXX data breach my information breached sold and traded illegally without my consent. 

This is innacurate information and needs to be removed from reporting. 

This is violation of the FCRA rights and are all reporting different things on my reports. 

I have attached screen shots of the innacuracies on all XXXX credit reporting beaurus a long with proof my data was sold illegally