23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XXXX XX/XX/XXXX I had XXXX send a {$50000.00} electronic transfer ( Reference number XXXX ) to be credited to my Fifth Third Bank account. Please note that this transfer was sent in error by me to Fifth Third Instalment Bank instead of my Fifth Third Bank account. On XXXX XXXX I sent a second {$50000.00} electronic transfer ( Reference XXXX ) to the same incorrect part of Fifth Third bank- this second transfer was rejected and returned to XXXX and was credited back into my XXXX account on XXXX XXXX. 

On XXXX XXXX I called my Preferred Banker at 5/3 Bank asking where the first {$50000.00} transfer was because that had not been credited to either my 5/3 bank account or returned to my XXXX account XXXX in short it was missing. I was told verbally that the first transfer ( ref XXXX ) had been rejected and returned to XXXX. I immediately contacted XXXX who confirmed to me in writing ( see attached correspondence from XXXX ) that the transfer they made to Fifth Third Bank was processed successfully on XXXX XX/XX/XXXX. 

Since XXXX XX/XX/XXXX I have made countless telephone call to my local 5/3 bank branch asking for some sort of written proof that the funds had been rejected and returned to XXXX - after 6 weeks on XXXX XX/XX/XXXX I was eventually sent a 5/3 ACH activity Summary ( see attached file titled XXXX XXXX XXXX ) which they said was proof they had returned the funds to XXXX on XXXX XXXX. 

I called XXXX on XXXX XX/XX/XXXX and was told that the XXXX XXXX XXXX was Not proof they had returned it and were adamant they they ( XXXX ) had not received the funds. 

You will see that this ACH activity Summary has absolutely no reference to either XXXX or my XXXX account number and that the routing number is actually the routing number to Fifth Third Banks HQ in XXXX It is now over 6 weeks since the initial transfer of my {$50000.00} to Fifth Third Bank and the funds are still missing and despite my daily calls to 5/3rd bank they still maintain they returned to funds to XXXX whilst XXXX maintain the funds were not returned to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is showing I have a {$10.00} current open balance and it's open. However they are not reporting to the three credit agencies properly on a monthly basis. They are reporting with a zero balance and closed. I've submitted disputes to all three credit agencies. I've asked for a open balance letter from XXXX showing what is owed and they will not do it. I've spoken to 4 different supervisors and no one could help me. I personally went to the XXXX dealership to explain the situation. They immedialtely called XXXX XXXX- they could not rectify the problem.
Product: Bank account or service

I received Wells Fargo Credit Card without my consent/request couple of years ago. I have taken this complaint to wells fargo bank location in Maryalnd, but they did not accept the complaint, and I ended up having the card. Now until recently when I read about Wells Fargo fraud complaint I realized that this is about the same incident happened with me and I should report this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent 2 certified letters to American Express regarding a credit card account with a past due balance of XXXX that appears on my credit report. Two different letters were sent to verify and validate the accuracy regarding the balances and whom is responsible for servicing the account. No letters have be answered. 

I contacted American Express via phone regarding the account and they advised another party is servicing the account that is appearing on my credit report and they provided a phone # and address. I sent a certified letter with matching certified numbers on the letter addressing my concerns on XX/XX/2022 and not received any correspondence as of XX/XX/2022. 

My integrity is being compromised as I am attempting to better my family and not being able to handle these credit reporting issues are hindering my abilities to do so.
Product: Student loan

I have two private loans that are with Navient. They are about {$10000.00} each. I have been paying faithfully for a couple of years now. My grandparents ( both XXXX ) cosigned on these loans in XX/XX/XXXX-XX/XX/XXXX. Since my grandmother has XXXX, I have been trying to get her released from the loans. She XXXX XX/XX/XXXX. I made several phone calls to Navient and did not get correct info on how to go about releasing her. In XX/XX/XXXX, I received a letter saying that XXXX XXXX. ( Navient 's lawyer ) was suing my grandmother 's estate for the balance of my loans. Navient customer service reassured me that if I submitted a XXXX certificate that the whole thing would be dropped and I could go on paying regularly. So, I submitted one twice and was told it should be all wrapped up by XX/XX/XXXX. But, the lawyer continues to harass my grandmother 's estate and even told the executor that my loans are now in default. I can not seem to get anywhere with either Navient or XXXX XXXX. XXXX XXXX. says they have no intention of dropping the suit against the estate even though I am current with payments.
Product: Debt collection

I am not responsible for this alleged debt. I ask for verification and this what sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX Account # XXXX, have 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I received the below email from XXXX My name is XXXX XXXX and your file has been placed in my care so that you receive the World Class service you deserve. 

You ARE eligible for a streamline rate reduction There is no need to pay that high rate any longer. 

We're reaching out to our good paying customers, to let you know that we can rewrite your mortgage w/o the hassle or costs of a typical refinance. You ARE eligible and I'd love to share with you how it can impact you financially. It will only takes a few minutes of your time to go over your savings. This program expires onXX/XX/2018! 

Here are the details of this opportunity. 

WE CAN SHORTEN YOUR TERM AND / OR LOWER YOUR PAYMENT NO OUT OF POCKET COSTS NO APPRAISAL REQUIRED NO INCOME REQUIREMENTS NO HOME VALUE REQUIREMENTS NO CREDIT SCORE REQUIREMENTS RENTAL AND 2ND HOMES ARE ELIGIBLE PAST BANKRUPTCIES AND FORECLOSURES OVERLOOKED 10yr, 15yr,20yr,25yr and 30yr FIXED RATE LOANS AVAILABLE Feel free to email any questions or a good time to speak with you. 

I can be reached directly at XXXX Have a great day!! 

When I replied. Please send me more information. They pulled my credit report ( and my wife 's ) without authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are both alleging that the XXXX XXXX account reflected on my credit report is accurate and verified. The inaccuracies listed below : *The account type listed for Equifax is factoring data and collection on XXXX *Equifax reflects a past due amount of {$480.00} and XXXX reflects XXXX *Equifax reflects payment history as ok from XXXX ; XXXX reflects no payment history *The account number differs among the 2 bureaus *They are allowing XXXX to list 2 different names among the bureaus for the same account These inaccuracies alone are grounds for removal. Additionally, in my communication with XXXX, if they indeed own the debt, they did not provide any credit card agreement forms, a mere statement does not validate the amount alleged to be owed. XXXX did not provide a comprehensive accounting ledger of the account.
Product: Vehicle loan or lease

My account shows that I have an account with late payments. I do not believe this is accurate, because my own accounting with auto pay shows I was not 30 days late. Under the Fair Debt Collection Protection Act, I have the right to request incorrect and unverified information be removed from my credit file. 

Accordingly, please remove the " late payment '' immediately, because my credit is important to me and this is unfairly penalizing my credit score. I would like to maintain a good relationship with Toyota Motors Credit. So I will appreciate your cooperation in getting this fixed in a timely manner. Thank you.
Product: Credit reporting or other personal consumer reports

I reached out to the company because I saw that multiple credit reporting agencies fraudulently obtained my information and fraudulently accessed my consumer reports and made entries to my reports. I OPTED OUT, pursuant to 15 USC 6802, 12 CFR 1016.1, also making them aware of the violations committed against me were in violation of the Gramm Leach Bliley Act. The purpose of 12 CFR 1016.1, as disclosed by the congress, governs the treatment of nonpublic personal information about consumers by the financial institutions, that they listed.

I also informed all consumer reporting agencies of them violating my privacy, pursuant to The Privacy Act of 1974, 5 USC 552a. Part b of 5 USC 552, states the conditions of disclosure, " No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. 

In accordance with the FCRA, 15 USC 1681 section 602, there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. XXXX, XXXX, TransUnion, XXXX and XXXX XXXX are consumer reporting agencies, and I am the consumer, to whom these consumer reports relate to. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX, are all financial institutions as defined in 15 USC 1681 section 604. None of these companies had my permission to disclose my personal nonpublic information, verbal nor written consent was supplied by me to these companies. XXXX, XXXX, TransUnion, XXXX, and the companies listed above, verbal, non-verbal, written, implied or otherwise is revoked, pursuant to 15 USC 6802 ( b ) ( c ). 

XXXX, XXXX, Transunion XXXX and XXXX XXXX, are also in violation of 15 USC 1681C ( a ) ( 5 ), which 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.
Product: Credit card or prepaid card

I made a large payment on my Capital One card, and the company refused to credit my account for more than XXXX week and would not provide a meaningful answer. 

When I called, a representative had the nerve to tell me that Capital One would have to contact my bank to prove the payment left my checking account. This is unheard of. I immediately closed my account in sheer disgust. 

Unfortunately, I need to reopen it. Capital One is refusing to reopen my account or let me create a new one. 

I'm a XXXX veteran and a student. This is very stressful and thoroughly unnecessary. I even reached out to their social media account, only to learn that it was run by a useless bot.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX  Account # XXXX, US DEPT OF EDXXXX Account # XXXX, XXXX  XXXX Account # XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX have 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 an account without my written instructions
Product: Debt collection

I paid a medical bill to XXXX XXXX on XXXX/XXXX/16. I received a letter the end of XXXX dated XXXX/XXXX/16 stating that my account was past due. I contacted and faxed proof that it was paid and have now received a notice from a collection agency, RMB , Inc . I contact them and tried to explain that this was indeed paid and the gentleman was very rude. I have called XXXX XXXX again and faxed everything again. Was told that the girl that handle credit card payments was on vacation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I began mortgage rate shopping on XX/XX/XXXX for both a refinance and a new home purchase. Between XX/XX/XXXX and XX/XX/XXXX, I rate-shopped with approximately 5 lenders, who all made hard inquires into my credit reports. I chose a lender and refinanced my current home. There was an issue with this lender and I had to find a new one, and  began rate shopping again on XX/XX/XXXX, with an approximate additional 5 lenders, and stopped on XX/XX/XXXX when I settled with a new lender. 

Each of these lenders assured me that rate shopping would not hurt my credit score because, as it says on CFPB 's website, " within a 45 day window, multiple credit checks from mortgage lenders are recorded on your credit report as a single inquiry ... you can shop around and get multiple pre-approvals and official Loan Estimates '' ( https : //www.consumerfinance.gov/XXXX  ). 

My credit score has dropped approximately 30 points on XXXX, XXXX, and Equifax as a result of these hard inquires. When I called XXXX and Equifax, both of the representatives told me that CFPB 's information is wrong, and that my score will decrease each time a hard inquiry is pulled.
Product: Debt collection

1. Our mortgage payment was made in a timely manner via NewRez.com online payment portal at XXXXXXXX XXXX eastern time zone on XX/XX/2022 in the amount of {$1100.00}, but due to the natural disaster Hurricane Ian some communication facilities were not available to us as we were in XXXX Florida assisting with disaster response ( Internet & cell reception ). We called the next day confirm payment, NewRez said payment was received but marked it late. We believe this is in error. 
XXXX. We believe this error creates civil liability for NewRez LLC dba ShellPoint Mortgage Servicing under Title 15 USC 1681o, Title 15 USC 1681n ( B ) ( 2 ) ( a ), and USC 1693 ( h ) ( b ) ( 2 ) and 1693 ( h ) ( c ) due to inaccurate credit reporting to credit bureaus. 
XXXX. XXXX XXXX XXXX XXXX is requesting documentation of all banking documents/ agreements/ contracts/ financial instruments any other communications either written, typed, emailed, recorded or otherwise associated with loan # XXXX originated on XXXX and the estate seeks validation of this debt pursuant to 15 USC 1692 ( b ) 4. On XX/XX/2022 XXXX XXXX XXXX, was appointed ATTORNEY GENERAL in fact over the entity known as " XXXX XXXX XXXX '' ESTATE and revoked all previous powers of attorney, and disaffirms any and all contracts and/or powers of attorney previously entered during infancy. ( See attached document ) 5. NewRez LLC dba ShellPoint Mortgage DOES NOT have permission to use the trademark XXXX XXXX XXXX to conduct ANY business transaction or send data via mail, electronically, telephonically or by any other means to any 3rd party until further notice. ( SEE ATTACHED FEE SCHEDULE & TRADEMARK ) 6. NewRez LLC dba ShellPoint Mortgage Mortgage DOES NOT have permission to use the social security number attached to the entity XXXX XXXX XXXX XXXX XXXX XXXX ANY business transaction or send data via mail, electronically, telephonically or by any other means to any XXXX parties until further notice. ( SEE ATTACHED FEE SCHEDULE & TRADEMARK ) We would like a swift resolution on this matter by XXXX, XXXX  Please send all requested documents to : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX
Product: Debt collection

CRA VIOLATION / NO KNOWLEDGE OF THE FRAUDULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX ) and the creditors ( US Dept Ed, Dept Ed/XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Product: Mortgage

I applied and was approved for a loan modification. However, my interest rate is higher in the loan modification. My current interest rate is 4.5 % and the loan modification interest rate is 6.0 %. My complaint is loan modification is supposed to help the homeowners. So, at least Selene should offer the same interest rate, if not lower, especially interest rate right now is lower. I accepted the higher interest rate of 6 % because I was afraid of losing my house if I did not accept the offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Submitted on XX/XX/2022 & XXXX, SUBMITTED ON XX/XX/2022. 
XXXX, SUBMITTED ON XX/XX/2022. The response states, the company will reply back in XXXX days. 
This is not acceptable. Under the Fair Credit Reporting Act, the CRA has a certain amount of timegenerally XXXX days but up to XXXX days in certain circumstancesto resolve a dispute. If the item can not be verified by the creditor within the time frame, it will be removed from the report. 
Therefore, XXXX days, is not acceptable according to the XXXX Guidelines, when the disputed information was received by the credit reporting bureau agencies in a timely manner. Therefore, XXXX days, is the maximum allowable time frame, from the date which dispute was received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several disputes to trans union on this issue of fraudulent accounts as well as the creditor the accounts are listed below all are fraudulent accounts reporting on my trans union file XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against United Revenue Corporation for inaccurately reporting XXXX accounts on my credit report, which I believe are a result of identity theft. This issue constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 et seq. 

The details of the disputed accounts are : Account Number : XXXX, reported amount : {$950.00}, opened on XX/XX/XXXX. 
Account Number : XXXX, reported amount : {$980.00}, opened on XX/XX/XXXX. 
I have no knowledge of these accounts and have never conducted any business with United Revenue Corporation. I did not authorize the use of my Social Security number for these accounts, which indicates potential identity theft. 

Under XXXX XXXX XXXX, I am entitled to dispute inaccurate information on my credit report and require that the reporting agency conduct a reasonable investigation. Additionally, 15 USC 1681b restricts access to my credit report to those with permissible purposes, and unauthorized transactions are not included. Identity theft is addressed under 15 USC 1681c-2, which provides protections against the reporting of fraudulent accounts. 

I request that the CFPB investigate this matter thoroughly, confirm that these erroneous accounts are removed from my credit report, and ensure that United Revenue Corporation provides valid proof of any claimed debt, as required under 15 USC 1681s-2 ( b ). 

Thank you for your immediate attention to this matter.
Product: Debt collection

Sprechman & XXXX has made another attempt to collect on a disputed, non-validated personal alleged debt. I have repeatedly requested that they validate the alleged debt. Their reply is that it is a commercial debt, and therefore it is not necessary to validate the debt. This alleged debt was to protect my personal property rights for my primary residence. I did not engage the original law firm ( XXXX and XXXX ) to set up a bed and breakfast. I had a contract to sell my property but because it was proposed that this right would be taken away in my XXXX XXXX XXXX, the sellers canceled the contract. This was for the sale of my personal residence. Had XXXX and XXXX been successful in defending my personal property rights, then I would have been able to sell my primary residence. 

In the Fair Debt Collection Practices Act, Section 803. Definitions. ( 5 ) " The term " debt '' means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance or services which are subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgement. '' Hiring a law firm to protect the sale of my personal household is practically the verbatim definition listed in this Section of the FDCPA. And Sprechman & XXXX 's refusal to validate the disputed alleged debt is a clear violation of the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name and address do not match what is on my identification card. I'm asking that you remove the addresses below because I'm afraid of identity theft. Please have the following names and addresses removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX, I learned about the Equifax hack that compromised 143 million people through the internet. The company took ZERO steps to let potential victims know that their information could have been compromised. 

Unfortunately, I am one of those people after looking at my credit report on XXXX/XXXX/XXXX with a different company. My information was used to get insurance on XXXX/XXXX/XXXX. I am currently having this be disputed by the different company as well. 

I understand that fraud can happen to anyone if you 're not careful, but in this situation, it is not my fault. The fault is on the company who did n't share the initial news back in XXXX. 

Had Equifax been upfront on the breach, I would 've instantly placed the initial fraud alert and the business that happened on XXXX/XXXX/XXXX would 've been prevented. But no. Instead, Officers of the company sold their stocks and the breach was n't found out until XXXX. Now I have to file a police report and extend the alert to 7 years and continuously do so after ; that information can be used all throughout your life, and I refuse to have my identity repeatedly stolen because of the negligence of others.
Product: Credit reporting or other personal consumer reports

Here is the list of fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX
Product: Credit reporting

Transunion contiunues to report my child support payments. These payments are not a loan or revolving credit. I have never been late on these payments and i asked Transunion to remove the payments and all they have done is lower the reported payments that i make. I ask the bureau to make transunion remove my child support payments from being reported.