23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to seek urgent assistance regarding a severe case of identity theft that I have been experiencing. Despite my repeated efforts to resolve this issue directly with the involved companies, the situation remains unresolved, and I am now turning to the CFPB for help. Fraudulent Accounts and Inquiries I have identified several fraudulent accounts and inquiries on my credit report that I did not open or authorize. These accounts and inquiries include : NEGATIVE ACCOUNTS 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: Credit card or prepaid card

On XX/XX/XXXX I made a Kohls purchase and selected for two day delivery as I was heading out of town before XXXX vacation. My delivery was expected to arrive on XX/XX/XXXX. I was heading out of town on XX/XX/XXXX. For some reason or another my package was going from one state to another state and probably was in about 10 states. I have no idea when my package was going to arrive and neither did XXXX. So I called Kohls to cancel my transaction as I would not be home to receive my shipment at this point ( given nobody knew when it was going to arrive and I had to depart town on the XXXX ) and would be no good to me as I was already heading out of town for XXXX vacation and needed those packages with me to take as gifts for my loved ones. Either way my packages never arrived, and I dont know if Kohls ever cancelled my order as requested to do so by me. To this day Im being charged interest on top of interest late fees and all kinds of stuff on a purchase that was blatantly canceled on my end and never received. I keep trying to make a payment to keep my account current balance because I dont want it to go an affect my credit report. Kohls has taken no further action to resolve this issue its been going on for as I said since XXXX of my order was supposed to be canceled and Im still being charged with interest on top of it! Not only that every month my account is different my balance is different just the other month I was supposed to receive {$120.00} check because I was overpaid and I never received anything and then I received a letter from them saying that was an account mistake. I would like to see my account summary because nothing makes sense!
Product: Checking or savings account

On XX/XX/2023 I called the bank, Wells Fargo in XXXX, TX, because I was told by the bank that my account had been put on hold. When I called the bank, the person I spoke with would not tell me who put a hold on my bank account or why a hold was placed on my bank account. I had my son call the bank in a 3-way phone call with the bank and we were told that Wells Fargo would not discuss anything about my account unless we provided them with a reference number. I, to my knowledge, have never received a reference number from Wells Fargo and we tried to explain that to them with no success. I live in assisted living and do not have transportation to XXXX, TX from XXXX, TX and my son lives in XXXX, AK and it would be inconvenient for him to travel to XXXX  just to try and get this problem corrected. We asked to speak to a supervisor and Wells Fargo told us we could file a complaint, but the person who would respond to the complaint would not talk to us without the reference number which we do not have. I have no way to access my funds, including my Social Security checks that are being deposited at Wells Fargo unless this can be resolved.
Product: Consumer Loan

Since I have not been able to pay the Loan this company pulls my credit Monthly from XXXX different entities which is producing XXXX Hard hits every month. Tower Loans and TWR Loans Systems. are the entities that are reflecting on my file. This goes far back as XXXX 2015. Please have them to remove these inquiries and tell them to stop Hard hitting my credit. It as already showing up as a Charge off. So why are they continuing to hit my credit every month. I am going to pursue monetary compensation for this. I m trying to clean my credit up so I can pay this debt off.
Product: Checking or savings account

Capital one since XX/XX/year> holding my direct deposits because their technical issues I'm still didn't get any direct deposit I have to pay all my late fee for all my payments because all their delayed
Product: Credit card or prepaid card

Capital one  XXXX   XXXX   2015 their is  an inquiry on my credit about this credit card and I do n't even own a credit card never have. Your customer service did n't help at all they keep stating that they ca n't help me and it 's getting frustrating You guys customer service needs to be adjusted because how can I have an inquiry for something I did n't even order or apply for
Product: Mortgage

Wrongful, Trustee Sale, Auctioned of our home on : XX/XX/XXXX. Fay Servicing, LLC., on in around XX/XX/XXXX, closed, transferred and/or sold our loan to another identity. Violation of the TRUTH-IN-LENDING ACT, Civil Code XXXX, Fay Servicing for years refused XXXX statements, false statements. I, XXXX XXXX, blood-line of my deceased mother/mortgagor, XXXX XXXX XXXX, XXXX XXXX XXXX upon her death on XX/XX/XXXX, XXXX, I, became here in California, Successor-Person-In-Interest, per The Homeowners Survivor Bill Of Rights ( SBOR ) California Civil Code 2920.7., grants, child's/heirs the rights to seek loan assumption and/or loan modification. Fay Servicing , LLC and their Investor ; XXXX XXXX XXXX XXXX, were in notice and knowledge of the death of my mother/ in and around XX/XX/XXXX, per her copy of her Death Certificate. Fay Servicing and XXXX XXXX, ignored and misrepresentation, retaliated by forcing an Wrongful Foreclosure, ( XXXX ) did not follow foreclosure procedures, ( XXXX ) lacked of a legal valid reason to foreclose, ( XXXX ) in " Bad Faith '' Auctioned our home. 

Violation of my XXXX Bankruptcy Automatic Stay Proceedings, filed my petition in " Good Faith '' on XX/XX/XXXX, before auctioneer auction our home after XXXX. 

Through my XXXX proceedings and my spouse XXXX XXXX, XXXX, Fay Servicing and XXXX XXXX, have posted our mortgage payments over {$46000.00} to re-instate mortgage loan and/or continue mortgage payments. While mortgage payments posted, Fay Servicing and XXXX XXXX have been { DUAL TRACKING ) while in loss mitigation complete acknowledgement on XX/XX/XXXX of our loss mitigation application, violation of the { CFP ACT ). Unfair Business Practice & Professions, Civil Code 17200. Violation of Wrongful Foreclosure, CA. Civil Code 2924m, negligence and violation of The Fair Housing Act, Civil Code 12900-19996. 

Their is no confirmation or proof of Third Party/Winning Bidder who is Eligible of such purchase of our home. California, Attorney XXXXenerals Office, should have been notified in writing from XX/XX/XXXX through XX/XX/XXXX from deemed final sale. 

Enclosures, you will finding supporting document 's to our complaint.
Product: Credit reporting or other personal consumer reports

A thorough review of my credit record revealed problematic late payment entries that remain unresolved despite my diligent efforts to address them. Over 30 days have passed since I sent formal letters requesting validation of these entries, yet I have received no response or satisfactory explanation for their continued presence. This lack of communication and proper validation raises significant concerns about the accuracy of these reported late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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

I have disputed with the credit bureaus several times regarding addresses on my credit report that do not belong to me and are on my report as a result of identity theft aswell as inquiries and fraudulent credit accounts opened in my name and have asked they be removed the credit bureaus will not remove these addresses, accounts, and inquiries. I have provided them with identity theft reports and ask that these be removed from my file immediately 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  Fraudulent accounts 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, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act Account # 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 1692C Without the prior consent of theconsumergiven directly to thedebtcollector or the express permission of a court of competent jurisdiction, adebtcollector may not communicate with aconsumerin connection with the collection of anydebt
Product: Prepaid card

Hello, My name is XXXX XXXX. I am writing in regards to a complaint about American Express Bluebird Card # XXXX. 
XXXX XXXX, 2015, I submitted a Bill Payment of : {$67.00} to XXXX XXXX. 
To date, this payment has yet to be posted to my Credit Card account as a payment, and I can not receive any assistance from your overseas Customer Service agents. 
They tell me this the payment was completed, and paid out, but can not prove such with a date stamp, copy of a check or signature of who signed and where they cashed the check. 
Your service is the utmost inaccurate and dubious thing I have ever come across. 
I would like to know where my money is and why it has not been posted to my CreditCard account. 
My Credit Card customer care team requires proof that they cashed the check and your XXXX agents are not very resourceful and helpful in getting this resolved. 

I am very angrily awaiting a response from your disputes team and hopefully from American Express Corporate.
Product: Credit reporting or other personal consumer reports

I receieved a letter from health organization where my daughter was born stating that there has been a data breach of their system and my personal information may be at risk. They sent my an XXXX data monitoring code good for 1 year that I could use with XXXX. I have since received email updates of credit lines and inquiries I did not authorize. I have filed a police report as well as an FTC report and am sending copies to each Bureau and asking for a credit freeze or my name and SSN as well as my XXXX XXXX XXXX daughter. This is a real inconvenience because I want to purchase a home and am having inquiries and loan applications show up on my report. I'm taking as much action as possible to avoid monetary loss due to Identity theft.
Product: Credit reporting or other personal consumer reports

I submitted a complaint to the Bureaus a month ago, but sadly, the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they have properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is extremely frustrating! Over 30 days have passed since I filed my complaint, and the disputed accounts remain unchanged. If this persists, I may have to consider legal action due to the significant stress it has caused me. Additionally, I'm worried about the security of my personal information, especially after the data breach involving XXXX, XXXX, and Transunion.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to dispute fraudulent accounts appearing on my credit reports with XXXX, Equifax, and XXXX. These accounts were opened without my consent, violating my rights under the Fair Credit Reporting Act ( FCRA ). 

Accounts in Dispute XXXX XXXX XXXX : Account # XXXX ( All XXXX ) XXXX XXXX XXXX XXXX : Account # XXXX ( All XXXX ) XXXX XXXX XXXX : Account # XXXX ( All XXXX ) XXXX XXXX : Account # XXXX ( All XXXX ) XXXX XXXX XXXX : Account # XXXX ( XXXX ) XXXX XXXX : Account # XXXX ( All XXXX ) Despite submitting a valid identity theft affidavit from IdentityTheft.gov, the credit bureaus routinely block claims of identity theft for no valid reason. This practice blatantly disregards 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block fraudulent information when provided with an affidavit and supporting documentation. 

The continued reporting of these fraudulent accounts is unlawful and harmful. XXXX, in particular, has issued generic denials and refuses to investigate, violating 15 U.S.C. 1681i ( a ) ( 1 ), which mandates reasonable investigations into disputed information. These actions obstruct my right to accurate credit reporting and demonstrate willful noncompliance with the FCRA. 

I request immediate action to ensure these accounts are removed from my credit reports and that the credit bureaus are held accountable for their violations of federal law. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The consumer reporting agencies stated that they properly investigated my account with XXXX XXXX XXXX XXXX and XXXX XXXX but how is that possible if the amount on XX/XX/2022 is reporting inaccurate information. I have tried to fix it with furnisher and consumer reporting agencies but it has only stressed me out more. They have violated my rights and since my consumer report is inaccurate and incomplete I demand immediately deletion from my consumer report.
Product: Money transfer, virtual currency, or money service

I noticed a fund transfer from my XXXX XXXX account for {$7800.00} to Capital One bank. I did not initiate this transfer nor do I have a Captial One bank  account. I contacted XXXX XXXX and they reversed the transaction and they locked the account so that no further transactions could be done in the account. While XXXX XXXX  was looking at my activity they noticed another pending transaction for another {$1000.00} to the same Capital One Account. A few days later ( XX/XX/2023 ) I got a letter from Capital One saying the address on my account was changed from my home address in NY to an address in NJ. I therefore called Capital One to report this because I never opened an account at Capital One. I spoke with a supervisior in the fraud department at Capital One who took my XXXX and said that they froze all of the accounts. I asked how many accounts they froze as I only got one letter so assumed it was only one fraudulent account that was setup. They refused to give me any information about these fraudlent accounts. So now i am in a position where i have no idea how my XXXX was obtained or how many accounts may have been fraudulently opened in my name.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I mailed a payment to Grain Technologies in the form of a USPS money order ( Serial # XXXX ), because one of their payments ( in XX/XX/XXXX ) was returned undeliverable. I sent the payment via USPS Priority Mail with Tracking # XXXX XXXX XXXX XXXX XXXX XXXX. The payment was delivered by USPS to the address on the Grain Technology billing statement on XX/XX/XXXX, at XXXX XXXX  and left with the front desk, reception area or mail room. The documentation is attached. 

However, once the payment wasn't posted to my account, I reached out to Grain Technologies and was told by XXXX XXXX, that " It can take up to 4 weeks before payment is applied to your account. '' This is in direct contradiction of their policy as shown on their billing statements and attached to this complaint. I replied that this payment was sent on XX/XX/XXXX, and that the amount of the payment was {$85.00}. I never received a response. 

This is problematic because the first payment mailed to that address was returned undeliverable. That returned payment caused Grain to enter a late payment on my account, which would have otherwise been on-time. This caused my credit score to dip because of their unprofessionalism by not sending me a payment link when requested. There's absolutely no reason that a company shouldn't send a customer a link to make an online payment, especially if they are contacted ahead of time with concerns about the payment being late. 

This payment appears to be lost and isn't reflected on my account, although it's been more than 5 business days. 

What is going on with this company? Someone needs to be held accountable for this, especially with the number of XXXX complaints and CFPB complaints. Where is the payment? USPS Money orders are as good as cash. 




Here 's what the statement says : When Payment is due and when will you Credit My Payment? 
We must receive at least the Minimum Payment due on your Account on the Due Date by, ( 1 ) XXXX XXXX Eastern Time for payments made on line ( through the Grain Application ) or ( 2 ) XXXXXXXX XXXX Pacific Time for payments made by mail ( in each case, as applicable, the " Cut-Off Time '' ). We must receive at least the Minimum Payment due on your Account by the Cut-Off Time on the Payment Due Date of each billing period. Payments received after the Cut-Off Time will be credited as of our next business day. Credit to your Account may be delayed for up to five ( 5 ) days if we receive a payment that does not adhere to the requirements set forth in this section and on your statement. The available credit on your Account may not reflect your payment for up to fifteen ( 15 ) business days or longer if we doubt the collectability of the payment or if we suspect fraudulent activity on your Account. Nonetheless, we will credit your payment to your Account as of the business day that we receive it ( provided we receive it prior to the Cut-Off Time ).
Product: Mortgage

My lender ( Mr Cooper ) failed to provide payment to my condo insurance policy back in the XXXX half of XXXX. This resulted in my being dropped & having to find another insurance company, put my escrow into the negative, and raised my monthly payments to Mr Cooper ( over $ XXXX ). I was told by Mr Cooper to pay this new amount until they could do an offsite analysis and return my account back to before the incident. After months of calls, emails and promises to " figure things out '' by Mr Cooper, I'm still waiting and over-paying. 

At the end of XXXX, I received a new bill reflecting an even greater monthly payment and substantial negative escrow balance ( over {$1000.00} ). After months begging Mr Cooper to get things back to normal, I made an additional {$1000.00} payment on XX/XX/XXXX to be paid to XXXX to abate further problems. They applied that money to Principal instead. It took weeks to resolve their misapplication of my payment. And I'm still in the negative. 

I keep getting told by the many Mr Cooper representatives trying to " figure things out '' that they are on my team and trying to resolve this. But their mistake continues to coast me money. 

Mr Cooper explains it ran another, early offsite XXXX, re-evaluated my property taxes ( this is supposed to be done in XXXX, not now ), and my new monthly payment is {$1300.00}. If not for their first mistake ( not making my insurance payment ) I would not be paying this new amount until XXXX when Mr Cooper runs its annual analysis. Additionally, if the analysis brought my payment to {$1300.00}, then I have been made to overpay this new amount for the past several months and someone owes me a reimbursement of that over-payment. 

None of this is resolved. only " escalated '', then silence until another bill is due. I have come to learn that this is a common occurrence. It needs looking into. My money is being stolen/ extorted from me by Mr. Cooper XXXX I could use some help.
Product: Money transfer, virtual currency, or money service

On XXXX I made and ACH ( ACH trace # XXXX ) payment from my checking account with Huntington National Bank to XXXX XXXX XXXX XXXX of {$1400.00} I received ( and still have ) a text alert from Huntington stating the ACH payment was processed. with a remaining balance of {$280.00} I Also received ( and still have ) an email from XXXX XXXX XXXX stating the payment posted successfully on XXXX On XXXX I received an email from ( still have ) XXXX XXXX XXXX that the payment was declined. 

I called XXXX and they stated Huntington retracted the ACH payment. 

I called Huntington XXXX XXXX XXXX  ( Eastern Time U.S ) -I escalated to a supervisor and they told me the ACH was returned due to insufficient funds ( which is not correct as stated in their text alerts ) -The {$1400.00} would be in my account in 2-3 business days. 
-The funds were never returned to my account I called again XXXX XXXX XXXX  I was told -No record of my first call and they don't know why anyone would tell me that the funds would be returned -My checking account does not show any transaction for this ACH therefore Huntington states that there is no reason to refund this amount and my account accurate. 
-At the time the ACH was actually attempted ( a later date ) that it would have created a negative balance, at that time. 
-I had multiple pending checks deposited from a regular payee on my account that would have easily covered any deficit. 

I called on XXXX at XXXX XXXX  -was put on hold for a long time, spoke with a rep and was hung up on. 
I called back and spoke with a supervisor named XXXX ( they will not provide me with employee IDs ) -I was basically told the same thing as above. 

Huntington case # XXXX I feel this ACH amount of {$1400.00} is misplaced by Huntington and I have lost out on their error. 

My personal budget shows a difference of {$1400.00} ( I am not wealthy I don't just mistakenly lose or mismanage an amount this high )
Product: Credit reporting or other personal consumer reports

I sent the credit agencies the response directly from the bank they have not fix the issue I have sent to other agencies and they have responded corre tly why have not they please help me it seems that they are lazy or simply dont want to help me