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

Lexington Law is scamming the consumers because they are telling you that they can clean up your credit and help raise your credit scores. My credit score hasn't gone up and they are taking my money and I am so upset that I have given them this opportunity to assist me. I am trying to clean up my credit and raise my score but Lexington Law pretends that they have a team of paralegals working on your file. They only work on your file when you call them. I don't believe that any of these people are legitimate paralegals and I have asked to speak to a supervisor and that never happened. I have asked to speak to a lawyer and that never happened. I am paying them {$59.00} every month since last XX/XX/2020. I want them to return all of my money from day one starting with the first initial payment of approximately XXXX for setup fees and XXXX fees to start the services for approximately 9 months. I called last week and asked them to stop my services and the agent told me that cleaning up credit is impossible because the only person that can remove anything off of your credit is the Credit Bureaus. I said to her why did your representatives tell me since they are lawyers they can remove all of the derogatory negative items that are impacting my credit. They haven't done anything for me but caused me nothing but stress and financial suffering to pay them monthly to see nothing changing on my credit profile. I can not purchase anything, I can not apply for a credit card. The agent told me that I need to stop using my credit cards. I am paying them off as quickly as I can. I want my money reimbursed to me today. I want them to stop sending my calls to the XXXX and have them read from a script to me and nothing gets done. I am exhausted having to call them every two weeks to make sure that they are doing what they told me that they would do. They have done absolutely nothing for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Disputing Information in Credit Report I am writing to dispute the following information that your company supplied to XXXX, Consumer Reporting Agency XXXX The information that I am disputing is false, and egregiously inaccurate, and it is causing me material financial harm, by hindering me from refinancing my current home loan mortgage! 

Your company XXXX XXXX XXXX has reported to XXXX that my previous home loan, which was held by Bayview Loan Servicing, was foreclosed on, vice sold to a 3rd party investor. I subsequently repurchased my home and I am still currently living in that home. 

I dispute the following information on my XXXX credit report : 1. There is an entry on my credit report under the other loans area, that was reported by XXXX XXXX XXXX, showing that my previous home loan was foreclosed on. This is patently false, as your companies name was not legally changed until XX/XX/XXXX. 

2. There is a 2nd entry, that was accurately submitted by XXXX XXXX XXXX concerning my previous loan, stating the loan was paid in full, without any false information concerning foreclosure. 

3. I have enclosed a copy of the letter dated XX/XX/XXXX ; from XXXX XXXX XXXX showing that my previous mortgage loan was paid in full, and that the loan was in fact Satisfied, and the Lien was Released. 

In conclusion, I demand that your organization remove any reference to Community Loan Servicing, and its reporting that my previous loan foreclosed on, from my credit report ASAP. This is fraudulent due to the fact that your company did not change its name until XX/XX/XXXX. If the action that I request is not done ASAP, I will seek out a civil recourse, as this reporting is currently causing me material financial harm. I will also be filing a complaint with Consumer Financial Protection Bureau, as this type of fraudulent double-dealing must not be allowed to happen Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Enclosures XXXX Satisfaction/Release of Lien letter dated XX/XX/XXXX XXXX
Product: Checking or savings account

I have a Wells Fargo " everyday checking '' account. They are restricting me from transferring money to a domestic external account ( owned by me ) at another FI. They say there is a 30 day maximum transfer limit of {$6000.00}. I did not think checking accounts could have transfer limits for such small amounts. I tried to execute transfer on XX/XX/29, XXXX, XXXX, XXXX and was blocked. 

There is no information anywhere online, in the terms and conditions, or anywhere else explaining transfer limits. 

I contacted Wells Fargo online customer service chat on XXXX and they did not have information to resolve my complaint. Here is a transcript of my convo. 


Wells Fargo : For your security, please don't enter sensitive information into this chat. Conversations are monitored and retained. 

How can we help you today? 
You : XXXXmy everyday checking account is restricting me from making a transfer to an external account owned by me Wells Fargo : XXXXAll of our Specialists are chatting with other customers. Someone will be with you as soon as they can. 
You : XXXXbecause it says i've reached my " transfer limit '' XXXX : XXXXHello and welcome. Thank you for reaching out through chat today. Oh goodness, that doesn't sound right. 
XXXX : XXXXAre you trying to setup a bank to bank transfer by chance? 
You : XXXXno. the bank is set up XXXX : XXXXI have a gut feeling you may have met your limit on how much can be transferred. 
You : XXXXyes. it says there is a {$6000.00} limit XXXX : XXXXHave you done any transfers yet this past month? 
You : XXXXyes You : XXXXi was not aware that checking accounts have transfer limits You : XXXXand this is not mentioned anywhere on the website or in the Everyday Checking PDF Guide XXXX : XXXXLet me do some checking on your behalf. Please give me a quick moment. Thanks. 
XXXX : XXXXJust curious how long have you been doing these transfers? 
You : XXXXi opened the account 2 months ago You : XXXXsince then XXXX : XXXXThanks again for sharing. I am still trying to find the information that states your limit for now starts at {$6000.00} and after you have been established it will increase. 
XXXX : XXXXJust curious how much are you wanting to transfer by chance? 
You : XXXX {$3000.00} XXXX : XXXXA couple of options to consider may be to setup a XXXX transfer for the interim however there is a monthly limit at first of {$2500.00} and the funds may take a business day or two to appear at the other account. 
You : XXXXyou can't use XXXX to transfer between two accounts owned by the same person XXXX XXXX XXXXI know the email or phone number can not be the same between the accounts. 
You : XXXX is for peer-to-peer transfers, not account to account transfers between my own accounts You : XXXXthere is nowhere in the Everyday Checking terms and conditions that explains these arbitrary transfer limits XXXX : XXXXIf I may suggest contacting our Online experts directly for guidance at XXXX who can address this in more detail. 
You : XXXXI 'm filing a complaint with CFPB
Product: Credit reporting or other personal consumer reports

I DO NOT RECOGNIZE THESE NAMES AND PHONE NUMBER Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone numbers : XXXX XXXX
Product: Mortgage

On XXXX XXXX, XXXX 21st Mortgage sent me a letter in regard to my first complaint # XXXX. The payoff amount at that time was {$870.00} good through XXXX XXXX and {$890.00} good through XXXX XXXX, XXXX. When I called XXXX XXXX, Staff Attorney it was changed from those amounts to almost {$3000.00}. I had explained to him that I wanted to pay it off and he did n't comply he paid the insurance and now I have to pay this amount. I have called them on numerous occasions and now they are sending me a foreclosure notice because of this saying I owe them {$870.00} or they would take my home. I tried to call XXXX XXXX, a financial counselor and he hung up in my face. The next thing I know I am talking to a woman who is being rude to me and think she can say and talk to me how she wants, I immediately told her I wanted to speak to either XXXX XXXX or XXXX XXXX. She left me on hold for approximately 25 minutes and they ( meaning 21st mortgage ) sending me to different places and different people. This company and their scare tactics has driven me to become XXXX and afraid. I am a XXXX Veteran with XXXX XXXX XXXXXXXX due to XXXX and XXXX XXXX. They refuse to let my daughter speak with them and when I am on the phone with them, they are threatening me and telling me there is nothing you all can do about it. I would still have to come through them and they can make my life a living XXXX if I do n't pay them. Since then I have called my doctor and explained to them I am having XXXX  because of this event that is taking place in my life. I ca n't sleep or eat and I am losing weight not trying to lose and my XXXX XXXX is very high. PLEASE I AM A VETERAN THAT NEEDS HELP AND I DO N'T KNOW WHERE TO TURN AND WHAT TO DO. During Hurricane XXXX there was a trailer company that came to XXXX XXXX La and everyone was so devastated they wanted to come home and brought trailers from these people, and so did I. 21st Mortgage have ripped off a lot of people old and XXXX because they do n't have anyone to fight for them. If I owe them {$3000.00} why are they sending me a book for another year that I owe them how is that possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

My rights have been violated in relation to an account on my credit report. 
MONEYLION INC . 
XXXX Have you heard of 15 U.S.C Sec 1681 ( a ), if you can not provide proof this account is 100 % accurate then this account must be deleted. Please provide me with the original contract that I signed with my wet signature if you can not then It must be deleted from my credit report. I dont believe the information on the account is 100 % correct and needs to be deleted and all negative information removed.

15 U.S.C 1681 Section 602 A - I have a right to privacy.

15 U.S.C 1681 Section 602 A Section 2 - A consumer reporting agency can not furnish an account without my permission.
Product: Credit reporting or other personal consumer reports

Ive tried contacting this company several times through mail and CFPB And nothing gets rectified they say theyve done a full investigation and just put the same numbers back right on my credit report
Product: Debt collection

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the XXXX. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the XXXX to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX {$520.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States XXXX has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to XXXX a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within XXXX days. I therefore legally and lawfully refuse your " form letter '' thus giving you only XXXX days not XXXX more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accts on my credit report, see attached that have no info, dont know whos owed, Experian and XXXX wont remove, they just make no sense ... ... all it says is it belongs to original creditor see attached. Ive asked over and over get nothing. Sent certified mail 60 days ago to Experian and XXXX, still pending after all this time wont remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

I file a police report about a fraudulent account and Equifax and XXXX keep reporting the item belongs to me and it doesnt
Product: Debt collection

I am a father of XXXX kids and have experienced credit card fraud on my identity. This has really hurt my credit score and is effecting my life and my kids life. I should not have to deal with a debt that is not mine. Please help me fix this especially during this time with even more financial struggles because of the Coronavirus/ COVID-19
Product: Mortgage

This is an ongoing issue that Huntington refuses to address, they have now started harassing me monthly for payments they are inaccurately applying. 

I requested they contact me as I received a phone call yesterday, XX/XX/XXXX from a XXXX who was quite rude. He attempted to collect on a debt that didn't exist by falsely telling me my mortgage was past due. 

When I explained that I had indeed paid it on time, in fact, early and more than what was due, he had to go into his system and find the payments. 

He said I didn't pay and that was the problem. 
Then he located the payments and stated because I paid early, that was the problem. 
Then he changed his story and said because my payments applied to principle, that was the issue. 

None of these things are the issue. The issue is Huntington 's system deficiencies.

I have had multiple mortgage servicers and not one have had these problems. 

I asked what I needed to do to stop the harassment, and he rudely stated " We aren't harassing you, we call you to tell you about the status of your loan '' Another false statement. They called to collect on a non existent past due balance. 

I requested he locate the payments and have them applied appropriately. He did not offer. 

I then paid a FULL ADDITIONAL MONTH in advance and asked him if THAT would stop the monthly calls. 

I honestly felt like I was paying the mob to stop harassing me. 

Think about it ... during XXXX, I paid an extra month of mortgage my family 's XXXX money, to stop this. 

It affects me that much. 

It is causing an immense amount of stress. I have an autoimmune disorder exacerbated by stress. I have explained this to Huntington before, and have also asked they not harass me by phone. 
They continue to do so. 
Repeatedly. 

I reached out to their representatives and they did not reply. 

So here I am again, filing a complaint. 

I will do this every time this happens in hopes the pattern warrants a full investigation into this bank. 

I want this harassment to stop. 
I want confirmation my unnecessary EXTRA payment will stop the harassment. 
In writing. 


This has to be a rampant issue affecting all their consumers and it needs to be addressed. 

The CFPB/OCC should review how many false late payments are being applied. 
How many false detrimental credit reporting actions are being taken. 
How many harassing phone calls are being made to consumers based on false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft. My id was used to get loans and credit when I was younger. These accounts are still on my Transunion credit report and I have filed disputes per the FCRA and sent the proper paperwork They are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have contacted Transunion. They do not send me copies of the investigation process per the FCRA.
Product: Mortgage

On XX/XX/2019 I did a second mortgage search, Quicken Loans have paid ads in the search results that claim you can do a second mortgage with them. They have you fill out all the information acting like you are getting a second mortgage, pull your credit and then tell you they only have first mortgages. Then they have a high pressure sales person call you while you are still viewing the mortgage rates, wondering why there is no second mortgage rates. I have a 3.25 % first mortgage and wanted to redo the second mortgage which is at 7.25 %. " XXXX '' tried to pressure me into redoing my first mortgage which is not only completely unethical, but makes no financial sense and is completely not in my best interest. It is truly sad that these types of tactics can still exist after what occurred in the mortgage meltdown. He would not let me talk or ask questions and just tried to berate me into redoing my first mortgage. I had to raise my voice to get him to stop. I told him, " I was in the business for 10 years, it is not in my best interest to redo the first mortgage and I don't want to touch my first mortgage. Can you do a second mortgage or not? '' He said " No, good luck. '' and hung up on me. Complete bait and switch tactics as they are advertising a product they do not even offer.
Product: Credit reporting or other personal consumer reports

My Rights have been violated. XXXX refused to correct the issue after multiple attempts. INPROPER USE OF MY CREDIT REPORT. This Creditor has violated my rights per 15 U.S.C. 1681 section 602, 15 U.S.C 1681 section 604 and Under 15 U.S.C 1666XXXX.
Product: Debt collection

Less than a year ago, I unfortunately had to be hospitalized and at the time I did not have health insurance and I was told by the hospital that I would qualify for emergency XXXX based on my circumstances. I have never received a bill or any form of notice. 

A few months later, I was checking my credit report and I was shocked to learn that I had all of this outstanding debt that had gone into collections. I never received/done any business with any of these entities listed in my report. 

The list goes as followed : XXXX XXXX XXXX, XXXX - XXXX/XXXX/XXXX XXXX XXXX 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

I reached out to the debt collection company " Sunrise credit services '' for validation of debt listed on my credit report, upon receipt of my certified and registered letter, they responded with a letter which did not include itemized statements, or the initial date of delinquency. Without the validation of this debt the collection being reported would not be legal.
Product: Credit reporting or other personal consumer reports

I have submitted a disputes on XXXX showing the inaccuracies on my consumer report and the credit bureaus are not doing a proper investigation, proof since they're being sued right now ( Sham Investigations ). FDCPA 807 15 USC 1692e protects me and my rights from the bureaus reporting false and misleading reporting. They have written off the debt but are still reporting it on my consumer report, that is fraud. These accounts are inaccurate. I demand these accounts be deleted immediately or i will file for ligitation due to the stress you've caused me.

We have reason now to believe the whole account is fraudulent because now youre putting an account as a debt, because a charge off is on there. A 1099-C was filed. According to the IRS Form on their website, Form 1099-C must be filed regardless of whether the debtor is required to report the debt as income. So the status of a charge off on my account is an inaccurate account and must be deleted. A charge off is suppose to be reported as income, as ordinary income, not debt, because they filed it and they got a tax break and the IRS says you must get your 1099-C. IRS also says it must be filed as income, and income doesnt get reported on the consumer report. That makes this charge off fraudulent. Please delete immediately.
Product: Money transfer, virtual currency, or money service

On or about XX/XX/XXXX, at XXXX, I received a fake email from a XXXX XXXX XXXX who represented himself as an HR employee of XXXX, a subsidiary of XXXX XXXX XXXX. I was offered a job by XXXX XXXX who sent me some checks in me email and told me to deposit them using my cell phone. He later told me that there was an error with the checks and he resent two more checks. These checks were fraudulent and caused my checking account to be overdrawn over {$2400.00}. I disputed the transactions with Arvest Bank on or about XX/XX/XXXX, due to fraud. They denied due to no error. I reasserted my dispute on XX/XX/XXXX, because I believe the checks were not processed correctly and the bank should have stopped all of them from processing, instead of just the first one. They stopped the first one, but let the second one go through even though they knew it was also fraud. My second reason for reasserting is because the bank has not provided information such as token number or other verification that money actually was released to the intended recipient of the XXXX XXXX or XXXX XXXX account, or if it was just an internal processing error. Under CFPB guidelines banks are liable if consumers are tricked or scammed into giving out their bank information.
Product: Credit reporting

I am unable to dispute XXXX negative items on my Experian credit report that is 7 years old and more that should be deleted from my credit report. 
Experian Report Number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of Transunions " free credit report '' scam. They advertise in many many places that they provide a free credit report once a year. I signed up for this and they secretly started charging my card XXXX dollars a month with no receipt of payment and no notification that I was going to be charged for this. I didnt notice the first month that they charged me, so they managed to get {$49.00} from me without my knowledge or approval. They told me I had to input my bank information for security purposes not because they were going to start secretly charging my card. I have attached many images of the false advertisement and I know that they do this to many people hoping that we will just pay and forget about it. They refused to issue me a refund and would only cancel the subscription when I called them. 

There have been many many others who have fallen victim to this false advertising and have been secretly charged a significant amount of money with no knowledge of being charged and no idea what it was they signed up for that caused them to lose this money. 

https : XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of the information on my credit report as provided by your credit bureau. Specifically, I am concerned about the presence of collections accounts and unauthorized hard inquiries that are negatively impacting my credit score. Under the Fair Credit Reporting Act ( FCRA ) Section 1681, I have the right to ensure the accuracy of my credit report, and I am seeking your assistance in rectifying these errors. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORGINAL CREDITOR XXXX I have also noticed unauthorized hard inquiries on my credit report, which can negatively impact my credit score. I have not authorized any organization or individual to access my credit report for the following inquiries : XXXX XXXX XXXX XXXX XXXX