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

I have notified Equifax two times about an incorrect reporting from XXXX. I attempted to close my account and XXXX refused to stop billing me initially which inflated the balance falsely. I do not understand how they can bully me and take advantage of the fact that I am powerless in the situation. Them simply saying " this is what happend so just deal with it '' is NOT a valid response and should be illegal. This is bogus and I am losing out on opportunities to advance in life because of this false information!
Product: Mortgage

In XX/XX/2018 my loan with XXXX  XXXX was sold to XXXX XXXX/Shellpoint Mtg Servicing. XXXX XXXX transferred my loan information to XXXX XXXX/Shellpoint with a negative escrow balance of {$480.00} for flood insurance. This was in error because I have had continuous flood insurance coverage since XX/XX/XXXX. I have never had an escrow account, as I pay all my taxes and insurances myself. I addressed it immediately with XX/XX/XXXX/Shellpoint because my first statement from them showed the negative escrow balance of {$480.00} and they added an escrow account and increased my 30 year fixed rate payment. I have called, faxed and emailed several times a month since XX/XX/2018 to get the corrections made. Each department says it's up to a different department to fix it. As of XX/XX/XXXX, I have repeatedly submitted evidence of continuous flood coverage dating back to XX/XX/XXXX including the letter from XXXX XXXX. XXXX XXXX will not help, they state they do not have any files or information ... that everything was sent to XXXXXX/XX/XXXX/Shellpoint. XX/XX/XXXX/Shellpoint puts me off continuously by stating a variety of non-sensical and non-applicable reasons for not making the correction. The last supervisor I have been speaking with in the Insurance Department ( XXXX XXXX ) states that " he is waiting for response from his contact at XXXX XXXX ''. This is FIVE MONTHS of being blown off by XX/XX/XXXX/Shellpoint ... all the while my FIXED Mortgage payment increased {$40.00} per month. I have NEVER had a missed or late payment on my mortgage and I do not want XX/XX/XXXX/Shellpoint messing up my excellent credit because they can not be bothered to correct the issue.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX has reached out to these companies stating that I have no knowledge of these unknown fraudulent inaccurate negative accounts. I disputed these accounts and requested verification from these companies but they have failed to do a complete an investigation and provide me with any signed contracts, acknowledgements with my written consent, and any individuals names that were interviewed doing the investigation process. It is noted on both unknown fraudulent accounts that these items were disputed by consumer but meets requirement of the FCRA. XXXX, Transunion, and XXXX is ignoring and violating me as a consumer and did not complete a FAIR investigation within 30 days on my behalf which is a violation of my consumer rights. Before these credit monitoring services report any information by LAW they are supposed to make sure that they have my written consent and that anything reported on credit report is supposed to be XXXX Percent ACCURATE!!!! Each of theses credit monitoring services are reporting something different which is illegal. These unknown fraudulent negative accounts has caused my family and I embarrassment, financial hardships, and mental XXXX  due to being declined credit.
Product: Mortgage

My VA mortgage is handled by Freedom Mortgage. In XX/XX/XXXX my mortgage went into loss mitigation due to XXXX. In XXXX I made several payments to Freedom for XXXX and XXXX and my mortgage came out of mitigation after in XX/XX/XXXX. I made my XXXX payment on the XXXX of XXXX for XXXX but they never applied it to the correct month of XXXX. 
Instead Freedom applied the payment to principal. This cause my payment to be a month behind. I have written several times trying to get this rectified by I had no luck .I have had several request by managers but freedom refuses to move the payment to the proper month of XXXX to get the mortgage brought up to date. Freedom sent late payments to my credit record and it hurt my credit. I had nothing but lip service from Freedom mortgage and their staff has miss informed me about payment information telling me not to make payments because I had extra money in the old mortgage that had to be brought forward. This cause confusion with representatives from Freedom. 
I asked they move the money that was paid for XXXX so the account is brought up to date. Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and Mariner Finance have reported late payments to the 3 credit reporting agency. The companies are reporting this information to my 3 credit reporting agencies and the credit reporting agencies are reporting this inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these claims.
Product: Credit card

XXXX. On XXXX XX/XX/year> at approximately XXXX ET a text was received by my wife from Marcus : by Goldman Sachs stating that they had {$300.00} purchase from XXXX that they suspected as fraudulent. The text requested that she call immediately if she did not make this purchase which she did and told them that the purchase was indeed fraudulent. 

2. Information received from Marcus indicated that the purchase was made by XXXX XXXX phone from XXXX with an IP address of XXXX. We have XXXX mobile phones with a different IP address. Notes received from Marcus said that this was an operating system anomaly and IP address where purchase was made is inconsistent with billing state. 

XXXX. I have disputed this fraudulent charge two different times and merchant says they have proof that this purchase was made by us. The only proof they have is that our name and address is associated with scammed XXXX XXXX. Every time I call Marcus they say the call is being recorded, but they refuse to check their phone records on XXXX XX/XX/year> to prove that my wife called to inform them that purchase was fraudulent. We have been a customer for over 40 years with XXXX XXXX XXXX and it is very apparent that this is atypical usage of our card and outside of normal patterns. In addition a comment was made XXXX that our email address was associated with this account #. When someone steals your card #, our email would naturally be associated with it. 
XXXX. After XXXX unsuccessful attempts at disputing this charge, we were told that we are still be rebilled for {$300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX BANK XXXX
Product: Checking or savings account

Bank of America refused to open an account for me and yet stated they can't open an account I don't even own them any money and XXXX refused to help yet claim that they uses XXXX XXXX  to not open account for me I need bank help me I get govement pay checks
Product: Credit reporting, credit repair services, or other personal consumer reports

I co-sign for my daughter 's vehicle 4 years ago her transmission just went out she returned the vehicle the vehicle is priced at {$11000.00} my daughter filed a bankruptcy executor it's still showing a {$7000.00} balance on my credit report in a vehicle has since been returned as of XX/XX/2020 things were recalled and a transmission went out they resold the vehicle and still is requesting XXXX from me and my daughter I'm asking for this debt to be removed please and thank you and I also would like how my car note is being reported for my XXXX XXXX because everything is current and up-to-date and my engine was just recalled on that please and thank you for all of the credit reporting agencies I'm having an issue with I'm just trying to get updated
Product: Debt collection

I have been rebuilding my credit for years and I raised my credit sore to XXXX where it has approx remained for the last year, I went to check my score recently to find it has dropped a 101 points overnight. a collection company ( Receivables performance Management ) put a collection/charge off on my credit report, stating I owe XXXX to ( XXXX XXXX ) I have never had XXXX XXXX in my life and have never had any type of dealings with XXXX XXXX. I checked into the collection agency and discovered I am not the only one with the exact same issue with this company the internet is littered with the same complaint as mine. the Better Business Bureau complaint/comment section has at least 50 complaints of the exact same claim with Receivables Performance Management saying they owe XXXX or XXXX, XXXX, XXXX ... when they have never had any dealings with them whatsoever. I have never received a letter or phone call from this collection company, this is either a mistake or they have just made up this claim in hopes I just pay to get it off my credit report. this debt is not mine it is either fraudulent or human error, I need this off my credit report.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( XXXX ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX THESE EMPLOYERS DO NOT BELONG ON MY PROFILE COASTAL HYUNDIA FAMILY AUTO MART Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I went to Capital One brunch in XXXX XXXX to transfer {$3200.00} from my checking account into an XXXX XXXX XXXX account. Capital one requested a {$40.00} fee for doing the transfer. Capital one has an intermediary bank, which converts the United States dollars into XXXX dollars. This intermediary bank took another {$20.00} fee. In additional to those fees the transfer rate which they gave was absolutely ridiculous. If they simply transferred the XXXX to XXXX bank XXXX the rate would be XXXX XXXX = XXXX, which would be equal to {$4500.00}. 

By Capital one using the intermediary bank to convert XXXX to XXXX  and then giving it to XXXX XXXX, I ended up with only {$4200.00}, which is more than {$200.00} less than what I should get.

1 WHY DID THIS TRANSFER TAKE SUCH A LARGE FEE?

2 WHY DIDN'T THEY SEND THE UNITED STATES DOLLARS STRAIGHT TO XXXX XXXX?

3 WHY DID THE CONVERT USING AN INERMEDIARY BANK OF CAPITAL ONE?

4 WHY IS EXCHANGE RATE SO LOW?
Product: Credit card or prepaid card

On XX/XX/2021 I utilized my credit card to make a purchase of {$870.00}. I then scheduled a payment to cover the cost of the item purchased to avoid interest charges being incurred. Upon reviewing my monthly statement I noticed my payment was applied to a balance transfer due to expire in XX/XX/2021. When reaching out to my creditor, Citibank, I was informed that although payments are applied to promotional balances due to expire, because the payment was already applied towards the balance transfer, they are unable to re allocate it. I am now expected to either repay for the item to avoid paying interest in the month of XXXX, or pay interest on an item which has already been paid for! The refusal by the creditor to rectify the error and subject the consumer to fees on an item already paid for is outright deceptive.
Product: Checking or savings account

I was sent {$50.00} from my friend XXXX this morning I got the email and everything but won't let me log in from my new device. Even though I have my password email and a confirmed received text to claim my {$50.00} that I really need. It won't let me even log in now!!!! I really need my funds.
Product: Credit reporting or other personal consumer reports

TransUnion is the only credit consumer reporting agency that is reporting the ( XXXX XXXX ) account status as collections/ charge off ; however, according to the TransUnion online monitoring services report, I have no late payment and no collection therefore it's an inaccuracy. This violation of 15 U.S. Code 1681e - Compliance procedures reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

Delete the collections/ charge-off off account XXXX XXXX from the consumer report. Please see the attached supporting documents.
Product: Debt collection

In response to CFPB compliant # XXXX I requested for TRANSWORLD SYSTEM INC in my last compliant to stop all collection attempts and they ignored that request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed several inaccurate accounts on my credit report. I filed an FTC report with Experian. The accounts were removed. I was not notified when 3 different items were reinserted on my account. I called Experian and was told that notification would take 7-10 days. The FCRA states they must notify me with in 5 days. They told me that was incorrect and then refused to allow me to speak with a supervisor.
Product: Checking or savings account

Truist bank closed my accounts and stated that it was closed for fraudulent activity I just opened the accounts and were transferring funds from. My previous institution I went to there local XXXX XXXX branch in pa and recieved no help I was given a false customer service resolution information to the department that was suppose to help me I was profiled with an attitude and an eye roll and was talked about as soon as I left the branch I had a family member also in the brands.. When I asked about my funds when I. Reach a supervisor I was told I dont know when youll receive your funds. I recieved no documents from the branch either. They said there was nothing they could do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my Experian consumer credit report and discover a company calling itself XXXX XXXX reporting a negative account on my report. I have no knowledge of doing business or signing a contract with XXXX XXXX. This willful and negligence action is causing harm to my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX XXXX credit card that was opened in XXXX was sold to a debt collector XXXX and I settled with them in XXXX of XXXX. In XXXX XXXX notified XXXX  and the account was deleted from my report but XXXX  and Experian re aged account with severe derogatory status and I have been denied 3 loans recently.
Product: Credit card

I am signed up with my Chase Freedom card for online statements only. I tried to sign in last night and again this morning to check and pay my bill, and they have a message on my account that I need to agree to both their updated Digital Serving Agreement ( this is 127 pages ) as well as their Online Mobile and E-sign Disclosure and Consent Agreement. ( This is another 10 pages ). I can not access my account until I agree to all of this.

First off, I do not have time to read through a total of 137 pages of legal jargon, nor should I have to in order to access my account. ( That I legally need to pay, on time and in full or I will incur late fees and interest charges ) Second, I am not a lawyer and have no legal back grounds and I am not certain exactly what some of this legal jargon means. 

I am not sure how it can even be legal for my credit card company to withhold access to my account and not allow access to pay my bill without reading all of this and then agreeing. This is extremely sketchy and slimy on the part of Chase and should be illegal if it is not already. 

I would like the government and lawmakers to please look into this practice that Chase is doing, trying to bully people into agreeing to something that most people probably dont have time to read and probably dont completely understand. ( Which seems like this is exactly what Chase is hoping for ) Very dirty on Chases part to try to pull something like this. 

Worth mentioning is that my charges on this card are normally rather small. Last month, I made a very large charge, the largest charge I have ever made on this card. It is certainly making me wonder if Chase thought I would not be able to pay this large charge off right away, and now would be the perfect time to try to bully me into agree to this. 

They would be incorrect if this is their thought process. I have the money and am trying to access my account to pay my balance off in full. I need to be able to access my account soon so I can pay my balance before it is late and then they will try to get more money from me for interest and late fees. 

While I remember this payment is due sometime in the second half of the month, I do not know the exact due date because I cant log into my account to find out. I NEED Chase to let me into my account by the end of this week ( XXXX  XX/XX/2023 ) at the latest so I can pay my bill.
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

I have on my credit profile many hard inquiries i never make because i just reicive my social security on the XXXX XXXX And never had another number Or anything
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Date Opened : XX/XX/04 Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XXXX Balance : {$270000.00}