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

In accordance with the Fair Credit Reporting act XXXX XXXX BANK Account # XXXX, has violated my rights. 

XXXX5 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Contents of this complaint : This CFPB complaint has been filed to request pursuant to FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of you receiving this complaint. 
This fraudulent, inaccurate, and false information consist of : XXXX XXXX - Balance {$1000.00} XXXX XXXX XXXX XXXX - Balance {$160.00} XXXX XXXX XXXX XXXX XXXX - Balance {$2200.00} XXXX XXXX XXXX XXXX XXXX - Balance {$990.00} Portfolio Recovery XXXX - Balance {$1100.00} Upgrade XXXX XXXX - Balance {$0.00} XXXX XXXX XXXX - Balance {$1600.00} XXXX XXXX XXXX  XXXX XXXX XXXX - Balance {$760.00} XXXX XXXX XXXX XXXX XXXX XXXX - Balance {$6700.00} XXXX XXXX XXXX XXXX - Balance {$0.00} XXXX XXXX XXXX XXXX - Balance {$1500.00} XXXX XXXX XXXX XXXX - Balance {$3200.00} Affirm XXXX XXXX - XXXX {$370.00} XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( Unknown Address ) These accounts have resulted in fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections and address appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections and address are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint # XXXX as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and address are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I have made repeated efforts to address the issue of unauthorized inquiries on my consumer report, but to no avail. These inquiries are entirely unrelated to me and I am not accountable for them. Their presence has resulted in considerable emotional and financial strain. As an identity theft victim, I may have to resort to legal action if this matter is not properly resolved. These erroneous and fraudulent entries on my consumer report have obstructed my plans to purchase my ideal home and provide for my family 's necessities. The effect on my financial health has been profound. For your reference, I have enclosed a copy of my previous correspondence to the Federal Trade Commission ( FTC ) detailing this issue and seeking a resolution.
Product: Money transfer, virtual currency, or money service

Ive sent XXXX $ to the wrong person this is my first time using money gram didnt realize it until it was sent. ( MoneyGram.com ) I have the information here : Receiver : XXXX XXXX Receiver country : XXXX Send amount : XXXX SD Receive amount : XXXX JMD Exchange rate : XXXX USD : XXXX Id like my money back and if this is the second time Im reporting this complaint. If anything my number isXXXX and email is XXXX thank you.
Product: Mortgage

We were approved for modification XX/XX/XXXX. We received packet in mail telling us we were on a repayment plan. The modification took forever to get done. We had to start process over once because the time frame ran out they said. We were able to make to payments of the repayment plan. My wife 's bonus was n't guaranteed and my overtime was n't either which was they used. I called to tell them we could n't handle double the payments. They offered us another packet for a modification. We were declined. Since then we have asked for multiple packets to be sent to us and none have arrived. We call and ask again. None delivered. Foreclosure process was dismissed in XX/XX/XXXX. We received a letter from their attorney last Friday. I called office closed for Holiday. I called back monday, they could n't answer any of my questions and were no help. The process took so long to get the modification that the payment was to much. US Bank would n't accept any payments in the process so it made the payment to high. I have called to try and work it out with no success. I have n't received any notices in the mail about be behind on payments or needing to contact them. I only received the letter last friday from the law firm threating Foreclosure. I put a new roof on last year and a new AC unit during the summer. If I new the payment was going to be that High I would have kept the cash in my savings to make the payments easier. Instead I make improvents to the house and now they wo n't work with me. This whole process has taken a hit on my credit. I ca n't get funding from anybody else so I 'm at the mercy of US Bank. I 'm a family of XXXX and really do n't want to loose my house. We would have to send kids to different schools. My work took 17 % of my pay which made it difficult and my wife was n't working much. Now things have changed, my wife has a good job and we are able to pay. My house is the last thing I need to get straightened out and it seems like US Bank wo n't work with me. I have asked if they could combine my 80 % and 20 % mortgages and shorten the months with the same % rate which would be a lot less then the repayment plan they had. I 'm filing this complaint because I do n't know what else to do. I met with another mortage company and told them about the process I have been going through and they gave me this website. They could n't believe what was going on.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC XXXX regarding the account that do not belong to me. 

Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account XXXX : XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX Source of dispute information : XXXX XXXX XXXX XXXX XXXX with Late Payment : XX/XX/2020 This account is now closed. However I noticed one late payment that is erroneous. 

This item is innaccurate because the CARES Act provided protection to consumers who were negatively affected during the COVID-19 pandemic. The one late payment occurred during a forbearance period and according to this ACT, the creditor allowed me to temporarily pause my payment. 

This adverse information has been incorrectly added on my credit report. 

Please reinvestigate this matter and remove the negative payment history from my credit history. 

Thank you for your assistance.
Product: Money transfer, virtual currency, or money service

I use XXXX XXXX XXXX for all of my banking. I have had the account for years and there's usually a pretty large amount of money in the account. When I moved from XXXX to XXXX XXXX, I sold a piece of furniture to my friend for {$4000.00} which they were supposed to pay me for through Zelle. They were going to send me {$500.00} every day until it was paid off. Zelle flagged my account for fraud and would only let one of the payments through. To make things worse, I was unable to receive money from my Fiancee, who lives with me, because Zelle blocked those transactions as well. So now we can't make rent, because there's no way to get the money into one account due of XXXX XXXX not having a branch within XXXX miles of my location. So I now have my friends bank pointing the finger at my bank, my fiancee 's bank pointing the finger at my bank, my bank pointing the finger at Zelle and Zelle remains completely uncontactable. I've been told there's nothing I can do. I've been told by Zelle I need to contact my bank because they do not handle customer issues if I sign up through a bank. How can you have a company that facilitates such an important function suddenly decided, without warning or notice, that you are committing fraud. NOT ONE PERSON INVOLVED submitted anything regarding fraud. 

So here I am, left with some kind of fraud flag by a company that is completely uncontactable. NO ONE will take responsibility. I am being punished because a friend that owned me money, attempted to use a service to send it. I have never committed fraud in my life. I have used Zelle 's services for years without a problem. No one reached out to me to let m know there was a problem, just emails saying " the funds can not be deposited. '' This is completely irresponsible. For there not to be any point of contact when something like this goes wrong is morally reprehensible. This company is all fine and great when they are making money off your transactions, but they second they think you've stepped out of line... they have the power to ruin your life?
Product: Credit reporting, credit repair services, or other personal consumer reports

The following company ran unauthorized credit inquiry on my credit report. This is suspicious to me and so kindly delete asap : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I acknowledge your attention to rectifying the erroneous entries in my record following an alleged incident of identity theft. Despite your efforts to address certain fraudulent items in my file, there remain unresolved matters that require removal. This marks my second communication as a victim of identity theft, wherein I seek to contest specific entries resulting from the aforementioned criminal act. The items subject to dispute are unrelated to any transactions wherein I obtained goods, services, or authorized financial transactions. Kindly expunge from my credit file any entries stemming from the alleged identity theft, as outlined below for each bureau : XXXX XXXX XXXX XXXX XXXX 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  *********EQUIFAX : XXXX XXXX XXXX XXXX  Balance {$1700.00} XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$120.00}. I have also enclosed my new FTC report # XXXX for your reference.
Product: Credit reporting or other personal consumer reports

I am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission
Product: Student loan

They changed their website in XXXX which made it difficult to make online payments. Ive always paid my loan and this is the last year of payments. They raised the interest with no explanation. It took multiple times to pay it and often they didnt pull out of my account. I called yesterday because I found out they reported 60 days late. They told me its my problem not theirs. I opted for direct withdrawal and they told me if it doesnt come out of my account it is my problem. This is a bad way to do business. I dont have time to babysit their payments. I have good credit and I dont have time to babysit a lender. I want it off my credit.
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX and XXXX Credit Bureaus are reporting inaccurate information on ERC ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1900.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Money transfer, virtual currency, or money service

I sent money to XXXX to my husband kids are sick so he needed the money right away they told him in XXXX that there wasnt no money so I went to XXXX XXXX  XXXX USA and they told me that they couldnt give me my money back yet that there was steps I dont have the time to be going back in forth I need my money back so I could send it through another company there just giving me the run around XXXX XXXX is different you call them and tell them the problem they give you your money right away never doing business we you guys again
Product: Credit reporting or other personal consumer reports

Student loans were forgiven on XX/XX/XXXX. They were reported erroneously as a charge off. Loans were forgiven under the XXXX XXXX XXXX XXXX of XXXX.
Product: Debt collection

11 years ago I used to have a property in New york, the crisis started, I divorced and included an FHA mortgage with XXXX in XXXX XXXX # XXXX for years they offered to refinance and keep the home, my ex wife never won't.. 3 months ago suddenly a debt collector call SHELLPOINT report a mortgage in credit report, for  {$560000.00}, originated in XXXX paying XXXX and late more than 120 days for XXXX consecutive years, mi XXXX score was XXXX before they include this lies, I never apply for mortgages after my bankruptcy. Now mi score XXXX, all my creditors start increasing and closing accounts, I called them and ask to send my bankruptcy papers, I send it in XXXX, but they 're arruining my financial life, reporting late payments. I am loan officer and can I can loose my license. I called again and they still are investigating, I dispute with the credit bureau, no answer yet, and my credit keep going down, please help me. I never request and signed nothing. nothing. all that information is NOT TRUTH.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed my XXXX XXXX account # XXXX was reporting inaccurately. I have a late payment for 12/23 that was in fact paid on time. The consumer reporting agencies have a need to report ALL information with COMPLETE ACCURACY. This account has not been late on payments, Ive attached a copy of my consumer report to this complaint. If consumer reporting agencies receive information from the same data furnisher, they should have consistent information. Im now requesting you investigate and provide verifiable proof with records showing that had late payments. If this information can not be verified, I demand these payments be updated to paid on time IMMEDIATELY. Thank you for your understanding and prompt action.
Product: Debt collection

Just over ten years ago, XXXX XXXX, and/or their subsidiary collection agencies, began threatening my grandmother (co-signer) with lawsuits and my mother's work income (also a co-signer). Now, Navient is using a collection agency called XXXX XXXX to collect the debt. XXXX XXXX sent me a letter proposing that I pay 1/14th of the amount I owe in order to "pay the debt in full." With the advice of a credit counselor, I contacted Navient, listed as the original creditor, to confirm and verify this proposal. Before I could speak with a representative, the call was directed to XXXX XXXX I asked the representative, XXXX XXXX" to request a letter from Navient confirming the proposed debt settlement. The XXXX Interstate representative stated "Navient will never do that." He also stated, "don't listen to your credit counselor." I need to know if this is a legitimate proposal, and I have a right to know from the original creditor.
Product: Prepaid card

In XXXX XXXX XXXX  sent messages to me about Citi card charging me XXXX $ and Best Buy XXXX $ dollars due to someone else used them not me. I tried to report the banks but they took much time to investigate them and now they ask me for make payment for credit I didnt use them
Product: Credit reporting or other personal consumer reports

I have a fraudulent account on my credit report, which I reported to VOLKSWAGEN CREDIT, yet VOLKSWAGEN CREDIT is not removing this fraudulent account. VOLKSWAGEN CREDIT has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt. The following is the fraudulent account : VOLKSWAGEN CREDIT / XXXX.
Product: Credit card or prepaid card

I made a online payment of {$1600.00} on XX/XX/22 through my bank bill pay to XXXX XXXX XXXX credit card XXXX That was the last day I could make a payment before Barclays purchased XXXX and accounts would be transferred to them. Barclays had posted my payment on XX/XX/22 but then immediately posted a charge for the same exact amount of {$1600.00} with a description of " / % '' in the detail line. Barclays said they have returned the payment to my bank on XX/XX/22. On my Barclays online account there are two separate payments of {$1600.00} posted on my payment history with one returned payment. So there is another payment of {$1600.00} that they have not deducted from my balance. I have contacted my bank and they have not received anything back. My bank was able to give me a Credit trace # for the digital payment. I have forwarded that to Barclays and they still claim they returned the payment and have not given me proof of the returned funds. I have been dealing with this for almost a month with no resolution from Barclays. I am also not the only one having this same exact problem. Please help
Product: Consumer Loan

I had an auto loan with Hyundai. The car was deemed a total loss after an accident. GAP insurance was used and the car was paid off in full. Hyundai is reporting to the credit bureaus that it was charged off as well as delinquent payments following the accident.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit has been check by this company INVESTMENT RETRIEVERS that I am NOT AUTHORIZING them to check my credit. I do not give them permission. They have check my credit on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have called then many times before and they say they can check my credit without my permission.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX and I am the business owner of XXXX XXXX  XXXX XXXX XXXX, a small business located near XXXXXXXX XXXX. We have been a customer of a company called Monex/Tempus since XXXX. Their website is XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, Monex/Tempus wired {$34000.00} out of our business checking account. This was followed by another transfer on XX/XX/XXXX for {$43000.00}. These were fraudulent transfers as they were not authorized by me. 

The events started on XX/XX/XXXX, when a fraudster accessed my XXXX XXXX account and sent an email to our contact at Monex. The fraudster requested for Monex to change our vendor beneficiarys bank information and to wire XXXX XXXX to this new beneficiary account. On XX/XX/XXXX, the fraudster sent another email to Monex requesting another wire transfer to another vendor in the amount of XXXX XXXX. Monex then replied to the fraudster and stated that Monex needed to confirm beneficiary account changes over the phone. The Monex rep then asked the fraudster if he was available to speak. The fraudster replied that he would call the Monex rep back during his work breaktime. Monex then sent another email to the fraudster shortly after stating that Monex was trying to call him to verify the beneficiary change but that no one was answering the phone. The Monex rep then asked the fraudster to call him back. This was a big oversight on the part of the Monex rep. He should have never requested the fraudster to call him. Monex should have called me on my office or cell phone to make sure I was the one who requested the transfer. Instead, the Monex rep allowed the fraudster to call him back. The Monex rep then assumed it was me and completed the transactions. 

My bank was able to retract the second {$43000.00} wire because I called them within a 24 hour period. However, the other unauthorized wire of {$34000.00} has not been returned to my account. Monex is offering to return to me only {$10000.00} out of the {$34000.00}. This is unacceptable to me as this transaction was never authorized by me and Monex is responsible for sending the wire. It seems very obvious to me that this loss could have easily been prevented by Monex if they had taken the proper steps to verify the identity of the caller. 

I am writing to ask for your assistance with helping me recover from Monex the {$34000.00} that was taken from XXXXXXXX XXXX XXXX XXXX  business checking account. I believe returning the funds to my account is the right and fair thing to do. I would sincerely appreciate any assistance you can offer me. 

Thanks, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an old account that was in my name for 10 years. I closed it in 2016 and was cleared of any outstanding amounts or fees, with an apology from BOA. To this day, it continues to show up on my credit report, diminishing my score. I want it removed immediately.