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

1.In accordance with the fair credit reporting act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 use 1681.

15 U.S.C. 1681 section 602A states I have the right to privacy.

15 U.S.C. 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish 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 adverse item of information other than records of convictions of crimes which antedates the report bemire 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 report agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

list : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

In XX/XX/2018, I notified Carvant Financial to cease telephone contact with me due to excessive calling and verbal threats of repossession. I have photo 's in my phone from Carvant Financial excessive calls. Their calls have been back to back and multiple times per day. I spoke with the account manager XXXX and advised him of the harassment and verbally requested the company stop all communication. I continue to review calls, text and voicemail 's from this company. I have records of expamples of the calls made : XX/XX/2018 calls from XXXX at XXXX est, XXXX XXXX est and XXXX est. This is a direct violation of the FDCPA and TCPA policies. Also dated XX/XX/2018 they called and left consecutive messages at XXXX XXXX est and XXXX est.
Product: Checking or savings account

I opened an account on XX/XX/XXXX and deposited a check on XX/XX/XXXX, on XX/XX/XXXX I was informed that the check was being returned, however the check cleared and is in my account, my account is frozen and I am unable to withdrawal funds. The bank is closing my account for suspected irregular activity after just one deposit. I have tried numerous times to obtain the balance in my account however the branch is saying they have no control over it, and the customer service department says it is up to the branch. I have been told twice now that the branch would have the check mailed to me within 5 business days however neither time that was true per further conversations with Customer Service. I require this money for an upcoming move.
Product: Credit reporting, credit repair services, or other personal consumer reports

Not only does every company need to pull Transunion which is the worst of the worst of all reporting agencies, I have a freeze on mine and tried extensively to remove this freeze for over an hour. I enter in my data online and it keeps telling me to sign up. I have an active username and password used just over 30 days ago to place the freeze on. I tried to forget password and reset and continuously get errors on Transunion ends that I can atleast get a 6 digit code to verify myself to my email but once I enter it online they give me an error that they are having issues on their end. How do you have boht online issues and phone issues where nobody come to the phone for over an hour? I've been on hold at the same time for an agent to unlock my account now and see if they can unfreeze it and nobody is answering. Now my account is locked after the attempts I made to use their easy system so that's been added to my list of needs from them, I cant unfreeze it so I can get basic internet with anew service provider in my new apartment timely and transferred to do my job where I make money to pay my bills with but Transunion is established to report how I pay my bills, make it make sense. With no internet, and no job how can I do this???? How XXXX Ironic! Why companies are still running credit reports in the middle of COVID when people have suffered financially and been late on bills just to keep a roof over their heads is ridiculous as well. TRANSUNION needs to be eliminated
Product: Credit card

I purchase air ticket from XXXX from XXXX to XXXX. I was getting cheaper ticket from else where so i cancelled this ticket within XXXX hours window that allows me to get full refund. XXXX processed full refund but Apple Credit card is keep putting me charges on my card. I sent them XXXX receipt and refund confirmation but they keep charging me saying charge is from XXXX. I never brought ticket directly from XXXX. so why would apple not reaching out to XXXX and complete investigation of this dispute and keep coming back to me with charges for ticket that i never flew or use. thanks
Product: Checking or savings account

To Whom It May Concern : I am filing this complaint regarding an error by Capital One in cashing my XXXX XXXX  check, issued by the XXXXXXXX XXXX XXXX XXXX XXXX for {$1000.00}, to my neighbor instead of to me, the rightful payee. 

Problem Description : I received a XXXX XXXX check in the amount of {$1000.00}, which was intended for me as part of the XXXX  program. The check was incorrectly delivered to my neighbor by the mailman and my neighbor proceeded to open and sign the check. Then mobile deposited the check to his capital one bank account. 
Despite the check being issued in my name, Capital One allowed the check to be deposited and cashed by my neighbor. 
I have contacted Capital One multiple times to request an explanation and documentation regarding this error. However, the bank has refused to provide any supporting documentation or a clear explanation of how this mistake occurred. 

Impact : This error has caused me significant inconvenience, as I am unable to access the funds owed to me. Additionally, the lack of transparency and refusal to provide documentation has left me with no recourse to resolve this issue directly. 

Thank you for your immediate attention to this matter. Please contact me at XXXX ) XXXX or XXXX if you require additional details. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

Collection : commonwealth financial systems- have a medical debt from XXXX which is {$7100.00} this debt is a medical debt, this is an incorrect and a wrong debt- I called the collection company months and months calling everyday asking them to email me or fax me or mail me a copy of this bill any information regarding this bill that never happened, I disputed it they said I have to send them proof of insurance I did, I was given the wrong email over and over again. They never gave me a bill/ never gave me their email address to send them my insurance proofing I been having insurance and this is not my BILL that was something not covered by my insurance as my insurance was never ran. 
I finally spoke with manager they gave me a wrong email again, I called her back demanding her to send me an email so I can reply back to the email and send my insurance information ( I sent proof of insurance since XXXX ) then still they did nothing they refuse to remove this from my credit, they refuse to do ANYTHING regarding this issue, I disputed it with XXXX  5 times so far it comes back as accurate however when I call them asking them how is this accurate they said they have no information.
Product: Credit card or prepaid card

CAPITALONE BANK HAVE NO WAY TO CONTACT THEM DURING COVID-19. CAPITAL ONE BANK HAVE NO EMAIL, NO CHAT, NO WEBSITE LINK, XXXX XXXX TO REQUEST HELP WITH ISSUES. THE ONLY OPTION CAPITAL ONE BANK GIVING TO ITS CUSTOMERS/POOR CONSUMERS IS TO CALL 800 NUMBER OR READ THEIR FAQ. READING THEIR FAQ ON WEBSITE CAN NOT REQUEST PAYMENT DEFERMENT ON PARTICULAR ACCOUNT. THEIR 800 NUMBER IS ALREADY JAMMED DURING COVID-19. THEIR FAQ ON WEBSITE IS USELESS BECAUSE THERE IS NO WAY TO CONTACT THEM AND REQUEST DEFER PAYMENTS ON ACCOUNT DURING PANDEMIC COVID-19. PLEASE HELP POOR CONSUMERS.ALL OTHER BANKS HAVE PROVIDED AUTOMATIC PAYMENT DEFERMENT OR VARIOUS ELECTRONIC METHODS TO CONTACT THEIR CUSTOMER SERVICES DURING COVID-19. BUT CAPITAL ONE HAVE DONE NOTHING EXCEPT SAME 800 NUMBER WHICH IS ALREADY JAMMED WITH CALLS.
Product: Mortgage

I was behind 8 payments on my Line of Credit. On XX/XX/XXXX I received letter of full reinstatement payment needed in order to bring my loan back to current status. This was from XXXX XXXX XXXX XXXX which is the company Discover uses for their foreclosures. I inquired about the breakdown of payment which was XXXX. I understood most of the fees on the breakdown but there was one for XXXX that said other net fees. I inquired again about what that meant and they said it was an advance escrow payment made to purchase my flood insurance and XXXX for inspection fee. I already have flood insurance from my primary mortgage so unsure as to why they purchased it. I made the payment based on that and fast forward to the XXXX of XXXX which is when they applied all my payments except the advance escrow payment of XXXX. I do see that escrow account still open and they state I still owe that. I called them multiple times already and got it escalated and today XX/XX/XXXX I received an email from the research department and they gave me their breakdown and state this Our records indicate that your loan had a {$5300.00} mortgage corporate advance, {$76.00} in late fees, a {$20.00} bad check fee, a {$150.00} property inspection fee paid. and 8 months of payments at {$300.00} each all posted on XX/XX/year> totaling {$8000.00}. 
The mortgage corporate advance includes the XXXX but they said it doesnt that all payments have been applied. I inquired again about a breakdown of those advances but have not heard back from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have numerous Hard Inquiries on my report, I have sent each company a letter stating that I wanted proof that the inquire was made by me with my signed signature, as of today I have only received a hand full of responses and non of them had a signature page with my signature on it. I would like for the inquires to be removed as I did not request anyone to pull my credit report.
Product: Credit reporting or other personal consumer reports

Upon completing a review of my credit report from the bureau 's i have noticed many inaccuracies on my credit report, such as late payments and charge offs. I have consistently paid all my accounts in a timely manner. I would like request these reports should be corrected to reflect an On-time/paid as agreed status
Product: Debt collection

The debt was placed on credit report without receiving a debt verification. Debt was disputed with XXXX and XXXX and it was reported date was incorrect and updated and was reported debt as valid. I have yet to receive a debt verification and Wakefield and associates has yet to even respond to providing any debt verification, it seems to get ignored and reported debt as valid although not providing any debt verification.
Product: Mortgage

I have a mortgage with Wells Fargo for a property in  XXXX . My employer posted me to  XXXX  and I no longer have  a US mobil e phone number. Wells Fargo online does not allow me to log into the system to service my mortgage without receiving a code t o a US mobi le phone number as part of th eir two factor authentication procedure. As a result I can not service my mortgage online even with current log in   credentials. I spoke with Wells Fargo twice regarding this issue and asked  if the two factor au thentication can be done via my registered email address or a  XXXX  mobile number that can receive text messages. This is similar to ot her US financial i nstitutions. There does not seem to be a solution Wells Fargo is able to offer me.
Product: Checking or savings account

On XX/XX/XXXX, I attempted to send a XXXX transfer to my realtor. She's assisting me in the sale of our home. My realtor helped arrange to have the exterior of my house painted for {$4000.00}. I am currently living out of state and I ran out of checks with Citibank and so my realtor agreed to write a check to pay for the service rendered by XXXX XXXX XXXX. I told her I would pay her back through XXXX. On XX/XX/XXXX, I attempted to pay her back through XXXX in the amount of {$2500.00} as that was the maximum out allowed by XXXX. I was going to pay the remaining {$1500.00} through XXXX the following day. Normally, XXXX payments are completed within an hour but the {$2500.00} payment has been frozen for 7 days. I have called Citibank multiple times about this transaction and one of the representatives said it should have been resolve no later than Monday XX/XX/XXXX. I called again Monday, Tuesday, and Wednesday and was informed that the XXXX payment was still frozen. Several representatives there stated it is because my transaction was being flagged for an OFAC related investigation. I asked if there's anything I can do to clear my name or that transaction or at least get an official letter from Citibank explaining what is going. They stated that there is nothing I can do nor are they able to provide a letter stating what is going on. I am a US citizen with a clean financial and legal record and my realtor is also a US citizen with a clean financial and legal record. I do not understand why it is taking Citibank so long to review this transaction and inconvenience both my realtor and I of completing a legitimate transfer of funds. I am happy to provide additional evidence to support my case.
Product: Credit reporting or other personal consumer reports

Identified Issues : 1. Bank of America Revolving card ( loan ) has been issued by someone under my personal information in XX/XX/XXXX with the debt of approx {$9000.00}. 
2. someone has been paying back on the bank of Americal Revolving loan since XXXX and still active with $ XXXX bebt. 
3. someone stopped the payment since XX/XX/XXXX which negatively impacted on my Credit score.

Actions taken so far 1. I visited Bank of America branch > Financial Advisor in person and identified that I've never issued the bank account under Bank of America and they confirmed that they can not find any history of Revolving loan 2. Frozen my bank account or credit card issuance by calling all three credit bureau
Product: Credit card or prepaid card

AMEX XXXX I request all information to which I am legally entitled related to this account to be mailed to my registered address as of XX/XX/2021.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I received an email from the XXXX XXXX saying that my subscription was expiring and would automatically renew if I didnt cancel. 

Not wanting it anymore I called the number. They said that my account had already been charged but since it was less than 24 hours they could refund the {$420.00} To do so they had to access my online banking account.I accessed the account at a hospital computer where I work. They created a window that allowed me to enter {$420.00} Cleverly ( on their part ) the number went to {$42000.00} and could not be reversed. In an instant {$42000.00} appeared in my checking account. I really do not know how they were able to add {$42000.00} to my checking account in an instant. 

To fix things they asked that I wire {$42000.00} minus {$420.00} to them On XXXX XXXX I spoke with the teller at US Bank XXXX XXXX XXXX ) to organize the wire for $ 42000.He said he would do so and that it would go through the following day and that he would let me know when it went through. 

Turned out the wire went out overnight with no oversight from the bank. Both myself and the teller were surprised by that. How can someone wire so much out of my account like that? 

Furthermore, I did not receive a text asking me to confirm/ verify the wire which, according to the bank manager, XXXX XXXX XXXX I was supposed to get On Monday XX/XX/XXXX, the balance of {$16000.00} was supposed to go out but fortunately this was picked up by the fraud department. They called me and told me that money from my HELOC had been advanced to my checking account. We immediately stopped that wire. 
Why did the fraud department pick up fraud on the second wire and not the first? Why wasnt the first one stopped? 
WHY WAS I NEVER INFORMED THAT MONEY CAN BE WIRED DIRECTLY FROM MY ONLINE BANKING As far as I knew my account was NOT set up to wire directly. ( Another manager XXXX who has been promoted in US bank admitted to XXXX that it was initially not set up like that but that fact is being ignored ) I always had a bank official set up a wire- they can check my history!! 
They changed that capability without telling me In my lawyers opinion, US Bank should have called me immediately when they noticed a change in pattern ( sending a wire personally )
Product: Credit reporting or other personal consumer reports

These accounts do not belong to me 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 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: Debt collection

Sequium Asset Solution placed a {$360.00} collection default on my account on behalf of XXXX XXXX. I tried calling them but they do not respond to messages I had to leave at XXXX. I have never done business with XXXX and never had an account with them. The email address they referenced for this debt, is not mine. They obviously have me mixed up with someone else. I have never been late on any payment to anyone in my entire life!
Product: Debt collection

On XX/XX/XXXX I wrote to Carmax Auto Finance regarding a " Charge-Off '' account listed on the three ( XXXX ) credit bureaus. I requested " Validation '' on the balance being list of {$9100.00}. ( see attached letter ) On XX/XX/XXXX I received a response from Carmax providing me with a two page " Retail Install Contract '' and a two page payment history. 
I then wrote to Carmax again on XX/XX/XXXX indicating that what they sent me was not indentifiable to me. I informed them about the signature on the contract they'd sent was questionable. 
They then responsed back to me on XX/XX/XXXX that they had already provided the validation and did not acknowledge what I had questioned based on what they had sent to me. 
When I reviewed their response I then reviewed their contract and the payment history once again and pulled my credit file and noticed that they had changed the balance of the " Charge-off '' balance on the account from {$9100.00} to {$10000.00} from their last response to me. 
They had also reported a payment on the payment history that they provided me on XX/XX/XXXX, which I never made. I'm questioning their validity of this account and asking why are they making changes on this account and placed inaccurate payments that were never submitted by me.
Product: Debt collection

{$560.00}, {$140.00} i dont know this company XXXX XX/XX/year> XXXX
Product: Credit reporting or other personal consumer reports

In XXXXXXXX XXXX XXXX I began making monthly payments on my student loan, to XXXX my student loan lender. XXXX claims they report to all XXXX credit reporting agencies once a month, on a specific day for activity from the previous month. 

I began noticing that the Credit reporting agencies were not updating the balance properly, causing a negative impact to my credit score. I contacted XXXX at the number they provided in a letter, but the number was not a working number. I was able to locate a different number. and after many hours on the whole and speaking to over 4 superviors each month from XXXX to XXXX, I was able to get XXXX to send an update to all XXXX of the credit bureaus. 

Unfortunately the credit bureaus still do not show the correct balance on my XXXX student loan account. XXXX still does not show the correct balance amounts from previous months. 

To make matters worse since paying over XXXX my credit score dropped XXXX  points with one credit bureau, XXXX  points with the second credit bureau and XXXX  points with the third credit bureau. All three credit reporting agencies are using FICO XXXX model. 

There is only one FICO XXXX model, why do I have XXXX different scores? Why after paying thousands of dollars on my student loans ( over XXXX XXXXXXXX between XXXX and XXXX ) would my credit score drop so drastically. I tried reaching each credit bureau for an explanation, the only thing they can tell me is that my balance goes into the scoring model and generates a score. 

Every time I make a payment, instead of my credit score going up, it is dropping drastically. This is causing me financial hardship because I am unable to finance a car at a normal interest rate. My mother is XXXX  and recovering from XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. We need a car to transport her to her medical appointments. It is causing me mental and emotional stress. I need help resolving this issue. 

Currently, there is no Governement oversight or regulations over the FICO XXXX scoring model and its inconsistencies amongst all three credit reporting agencies. 

I need help. please contact me. 

This is causing me a financial hardship.
Product: Credit reporting or other personal consumer reports

First, none of the categories on the previous screens did not describe my issue. I have an account with Experian and I have noticed a pattern. XXXX month I will get an increase in my score by XXXX to XXXX points. Then I'll get a decrease by the same amount of points. Then in the next month or so, my score decrease by XXXX points. I recently received a message which read " Your FICO Score has decreased XXXX points to XXXX. Even though your FICO Score went down, your Credit Rating did not so it should not impact your credit worthiness. '' I checked my credit report and there was no fraudulent activity. I did not make any transactions and my current payments are up to date. I don't understand the major decrease in my score. Their message above states that my " credit worthiness '' should not be impacted. When there is a credit check done, merchants can only measure my " credit worthiness '' by my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

ONCE AGAIN XXXX  DELETED BK PUPLIC RCORDS WITH XXXX XXXX, CASE XXXX AND RE-INSERTED XX/XX/219 WITHOUT 5 DAY NOTICE TO CONSUMER. THIS IS A INVALID LISTINGS.
Product: Student loan

I had loans serviced by XXXX XXXX and then XXXX  for many years. I also had loans transferred to XXXX and forgiven last year. Loans originated in XXXX, XXXX, XXXX, and more in XXXX. I was directed to deferment every time and was charged fees. I made payments for many years and even paid on loans while I was also in school. The payments were not applied to my account and I did not get refunded either. Even after my loans were finally forgiven.I was not sent back the additional money I had overpaid then either.
Product: Debt collection

I moved out a rental property, XXXXXXXX XXXX, on XX/XX/2022 and paid off balance, retaining receipts and proof of payments. 
Unbeknownst to me, the landlord started false credit reporting, collected non-existing past due debts from my renter 's insurance and still filed with debt collectors called " XXXX XXXX by Hunter Warfiled '' on XX/XX/2022. 
Since I was contacted by Hunter Warfileld on XX/XX/2022, I have made several attempts by phone to contact the landlord and debt collector and they both threatened to pursue action and to damage my credit if I don't pay up a debt I do not owe. 
My attorney mailed proof of payment and receipts on XX/XX/2022, asking for the false information to be removed. I have tracking and proof that Hunter Warfield received and signed for the letter and proof of dispute. Yet, after 30 days they still refuse to remove the negative report from my account.