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

I was scammed into sending {$2000.00} to someone on Sunday XX/XX/XXXX using the XXXX service with Chase Bank. I received a text message on XX/XX/XXXX at XXXX stating " Chase Bank has an urgent message for XXXX XXXX to receive a call about unauthorized transactions please reply yes. '' Next, I received a phone call from the same number and the person on the phone walked me through a process that I now realize was designed to look as if I sent the money to myself to another account at another bank. I called Chase Bank 's fraud phone number and was told they couldn't help and I would have to talk to their claims department which was closed on Sunday. When I called on Monday XX/XX/XXXX, I was asked by the online fraud dept why their department didn't stop the transactions rather than send me to claims which was closed? Chase failed to offer me the help I needed on the day of the scam. I have been sent back and forth between Chase Bank and XXXX with everyone stating they can't help me, that there is no recourse and no way to get the money back or reimburse me. Chase and 6 other large banks own the service but they offer no fraud protection or help. I can't afford to lose {$2000.00}. I lost my corporate job on XX/XX/XXXX due to a downsizing layoff and my marriage is on rocky ground already. This is a catastrophic situation for me right now.
Product: Credit reporting

Experian has allowed XXXX XXXX and others third party companies to pulled my credit file illegal purposes. I did not authorized anyone to pulled my credit profile. XXXX XXXX has pulled and damaged my credit profile on XXXX separate transactions. And has caused a drop in my credit scored. I contacted The XXXX XXXX and Experian and both have fail to do any thing or removed the items. 
Experian has been sued for credit reporting violations. Crooked collection agencies are being allowed to access your personal information and place unjustified black marks on your credit reports. Experian fails to take adequate measure to prevent this. Meanwhile, your personal information ( everything an identity thief needs to know ) is sold indiscriminately from company to company.
Product: Credit reporting or other personal consumer reports

Urgent Request for Removal of Incorrect Information from My Credit Report Dear XXXX XXXX I am writing to express my extreme concern regarding the serious inaccuracies I have found in my credit report issued by TransUnion. Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I have the legal right to ensure that my credit report is completely accurate. The presence of incorrect information in my report constitutes a direct violation of the FCRA and must be corrected immediately to avoid legal consequences. 

I have identified several inconsistencies regarding the account reported by : XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) with account number XXXX : XXXX. XXXX Account : ** This account appears twice in my report with different opening dates ( XX/XX/year> and XX/XX/year> ). This error is unacceptable and violates Section 611 of the FCRA ( 15 U.S.C. 1681i ), which mandates that any information that can not be verified must be removed immediately. 

XXXX. **Balance and High Credit : ** Both instances of this account show a balance of {$7600.00}, which is incorrect. Under the Dodd-Frank Wall Street Reform and Consumer Protection Act ( Pub.L. 111203, H.R. 4173 ), credit reporting agencies are obligated to handle consumer information accurately and fairly. Failure to do so could result in severe penalties. 

XXXX. **Contradictory Comments : ** XXXX record states the account was " Placed for collection, '' while the other claims " Subject has not satisfied debt. '' These statements are contradictory and must be rectified immediately according to Section 623 of the FCRA ( 15 U.S.C. 1681s-2 ), which governs the accuracy of information provided by creditors. 

XXXX. **Dates of Last Report and Activity : ** The last reported dates ( XX/XX/year> and XX/XX/year> ) and the dates of last activity do not match between the records, suggesting that XXXX or both are incorrect. This discrepancy is another violation of the FCRA and must be corrected immediately. 

To support my dispute, I have included the following documentation : - A photograph of the report showing the errors. 
- A copy of my government-issued identification. 
- A copy of my Social Security card. 

The Dodd-Frank Act and the FCRA are clear regarding the obligations of credit reporting agencies to ensure the accuracy of the information. Any violation of these laws is not only illegal but also unacceptable and can result in significant legal penalties and civil liabilities. 

**I demand the immediate removal of the duplicate entries and the correction of all incorrect information in my credit report. ** If swift and effective action is not taken, I will be forced to consider all available legal options to protect my rights. 

I expect an immediate resolution and an updated copy of my credit report once the necessary corrections have been made. Should you require further information or additional documentation, please contact me immediately using the information provided above. 

Thank you for your urgent attention to this critical matter. 

Sincerely,
Product: Money transfer, virtual currency, or money service

I got a notification from Wells Fargo about an attempted wire transfer and a new wire transfer recipient on my cell phone and I got a call from a Wells Fargo employee asking if I was attempting to make a wire transfer for {$25000.00}. I absolutely was not making these transactions. I was on the phone will Wells Fargo for approximately 45 minutes, during that time the sent me several verification text messages from the same text number they have previously sent me verification codes. I was left on hold for a prolonged time so I hung up and went to my local branch to make a deposit and report & discuss my recent phone call regarding this unauthorized wire transfer. I was told by the Wells Fargo employee that if I did not have an appointment, no one was available to assist me and they gave me a XXXX phone number to call. I once again contacted Wells Fargo and was told someone posing as me made a wire transfer. I informed them that was not the case and I was not making any Transactions. They told me they would stop the transfer immediately and freeze my accounts. That was 7 days ago. The day after I went to my local branch, I returned to the same branch and spoke to the branch manager about all of this. He made several calls and assured me they would resolve this. I called in to Wells Fargo today to follow up as I have got no updates from them at all and was informed my " claim '' was denied and I would NOT receive my money back that they sent to someone without my knowledge or consent. 
I feel like Wellsfargo or one of its employees has stolen this sum of {$25000.00} from me
Product: Credit card

1 ) Chase Sapphire posted a {$95.00} " Annual Fee '' to my card statement for the first time ever in XXXX XXXX. 
2 ) After checking last XXXX 's ( XX/XX/XXXX ) statement and seeing there was no such fee I called Chase and asked about the Annual Fee. The rep told me that Chase had sent out a letter in XX/XX/XXXX informing me that my Chase Sapphire account would change to a Chase Sapphire Preferred account and outlining the new card service agreement. Though I have no recollection of this letter it may have arrived two years ago, I ca n't say with certainty. 
3 ) Chase rep stated that there was no " Annual Fee '' posted in XX/XX/XXXX because they were migrating to the new card, but that at the current time the fee is valid. 
4 ) I informed the Chase rep that I have no other cards with an Annual Fee and I would like to find a way to remove this fee. Rep said he could change the card from Chase Sapphire Preferred to Chase Sapphire, same number, same APR, new expiration etc. After listing the benefits of the preferred card I declined and the Rep very helpfully proceeded to process the change to the no-fee Sapphire card while we were on the phone together. 
5 ) Regarding the Annual Fee. I asked him to confirm that the {$95.00} fee would be removed, and the Rep said XXXX things that alarmed me and are prompted me to complete this report : 1 ) The fee would be " pro-rated back to me '' ( no " credited back '', no clear explanation about what this meant ) and, more importantly ; 2 ) that the {$95.00} annual fee itself would not be credited back for another 1-3 billing cycles. I asked the rep why he could n't remove the fee immediately since I had changed the card type to one without an Annual Fee. There was no satisfactory answer to this question. I then told the Rep I was carrying a balance on this card, so would n't it follow that I 'd be paying interest on this {$95.00} for some unconfirmed number of months - 1, 2 or 3 months - that would carry from one card type to the new card type where the fee was not part of the agreement, and that if this was the case would n't there then be some XXXX people paying a small interest-related fee on something that should be removed at the time of the transaction? I did not after all initiate the original switch to the Chase Sapphire Preferred card, it was something that was initiated by Chase without my involvement or desire to do so. The rep was unable to answer this question as well and I realized then I needed to take it to another venue, it had triggered an alarm large enough for me to call the CT state 's attorney general office for the first time in my life. CT AG office referred me to the BCFP because at a state level their hands are tied.
Product: Mortgage

I have had hardship with making payments on XXXX XXXX XXXX XXXX, XXXX, Texas XXXX due to Loss of income/Employment from Covid-19 and expenses have increase. I am seeking a request for mortgage assistance in resolving this property debt
Product: Mortgage

Mother had reverse mortage.She passed a couple months ago and have since sold her house pending probate.Reverse mortgage keeps sending foreclosure letters weve though I have sent them all forms requested and intent to sale notice.Champion Mortage is reverse mortage holder.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, Thursday, money amount XXXX US dollars was sent through XXXX XXXX  online transfer ( chase ) on the XXXX account ( XXXX ID : XXXX, Name : XXXX XXXX  ). After sending, while send money was pending, my online bank account blocked. I called the chase bank customer and the contact information on the back of my debit card several times. After calling of several times, they finally picked it up at the end of the day. They asked few questions for personal detail so they can unlock the account. They did unlock the account but were unable to cancel the transaction since the money was already gone. I requested them to cancel the transaction but they denied it instead refer me to call XXXX customer service. I called the XXXX  customer service but refused to help, telling me the XXXX transfer was from my chase account. I was running back and forth between chase and XXXX but neither of them helped me at that time.
Product: Mortgage

My mother had a home with a mortgage through Newrez/ Shellpoint. When she passed away I took over the home and the mortgage. I was unable to pay for the mortgage but I have now tried to take over and bring the loan current and Ive called the mortgage company ( shellpoint ) multiple times and they have set me up on multiple payment plans telling me it will bring my home out of foreclosure. Since then they have canceled them after paying them. Now my home is about to be sold. I wasnt aware it was actually going to be sold because when I would call them and tell them I got notices they told me they would go away after my last payment. Ive made almost all my payments and now they said its canceled and they were keeping my money and still going to sell the house. 
They claim it was canceled because I didnt have the right paper work but they requested the paperwork necessary for the plan the first time and my lawyer sent everything asked for to them. They approved me so Im not sure how they can just all of a sudden say we need more paper work your stuff is canceled? How can they approve me for a plan if the necessary paperwork wasnt there to begin with? It seems very much like a scam and Im livid and unsure where I will be living in two weeks if this continues on.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against the XXXX major credit reporting agencies : XXXX, XXXX, and TransUnion. Despite multiple attempts to resolve inaccuracies in my credit reports, all three agencies have failed to respond to my dispute letters or take any corrective action. 
Here are the details of my complaint : I have identified several inaccuracies in my credit reports which include inaccurate accounts, re-aged accounts, and inaccurate personal information. 

Actions Requested : 1 Immediate investigation and correction of the inaccuracies in my credit reports.

2 Proper notification on my credit reports indicating that the accounts are in dispute.

3 Compliance with FCRA requirements for responding to consumer disputes in a timely manner.

I have sent multiple dispute letters to each of the credit bureaus with supporting documentation requesting corrections.

None of the credit bureaus have responded to my dispute letters within the 30-day period mandated by the Fair Credit Reporting Act ( FCRA ). Moreover, they have failed to include any notice on my credit reports indicating that I have disputed the accounts, which is also a requirement under the FCRA.

The inaccuracies in my credit reports have adversely affected my credit score and my ability to obtain credit. The lack of response and failure to update my credit reports have caused significant distress and inconvenience. 

Enclosed are copies of the dispute letters I sent to each credit bureau, along with any supporting documentation and proof of mailing. 

I trust that the CFPB will address this matter promptly to ensure that the credit reporting agencies comply with the FCRA and take the necessary steps to correct my credit reports. 

Thank you for your assistance in this matter.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX & XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX account name 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 agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Kikoff is reporting a closed account on my credit report that does not belong to me. I never opened this account and did not authorize any activity associated with it. I contacted Kikoff directly and requested verification of the account and documentation proving it was mine. I received no response, and no documentation was provided.

This account continues to appear on my credit report, damaging my credit score and causing distress. The reporting of this unauthorized account is a violation of the Fair Credit Reporting Act ( FCRA ), and I am requesting immediate action.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

XXXX XXXX has a loan with Green Tree. XXXX XXXX had got behind due to some financial difficulties. XXXX XXXX called Green Tree and spoke to the lady over his account, # XXXX, XXXX XXXX XXXX XXXX had to call me on the phone XXXX way, meaning XXXX XXXX, XXXX and myself were all on the line at the same time but at different places, to verify him using my debit card. I told her that I did verify the transaction of {$3400.00}. XXXX XXXX XXXX ran the transaction and she said the it would not go through because my bank probably had a limit set. I asked XXXX XXXX if I could just give her my account information and do it as an ACH, XXXX XXXX then put XXXX XXXX and I on hold to ask her boss if she could do that. XXXX XXXX returned and said that her boss AGREED and I gave XXXX XXXX my information and she processed it. Green Tree took the {$3400.00} out of my checking account on XXXX/XXXX/2015. XXXX XXXX told us that all legal and late fees would be added to the end of the account and it was up to date. Next payment was due XXXX/XXXX/15. 
On XXXX/XXXX/15 XXXX XXXX called XXXX XXXX to get his account set up online so that XXXX XXXX could make payments online, and was told by XXXX XXXX that XXXX had bought out Green Tree and they was not excepting the agreement that was made and that the money would be put back into the account that it was taking out of, XXXX XXXX stated that it was start Tuesday XXXX/XXXX/15?!?! XXXX XXXX also stated that she was no longer over the account and could not help XXXX XXXX. As of today XXXX/XXXX/15 my money still has not been put back into my account. Not only was an agreement made and money already accepted, when XXXX XXXX and I call about the account and money, XXXX XXXX and I are put on hold and transferred to others representatives that can not tell us where the money is. I, myself, called today XXXX/XXXX/15 to XXXX Ext. XXXX and spoke to a XXXX. XXXX XXXX verified account number, phone number and asked who he was speaking with and I told him that I was not on the account but I had XXXX XXXX hear beside me. First thing he said is the account is {$3400.00} behind how would you like to handle this. My response was that I had already paid that and it was being returned. Then after I tell XXXX XXXX what is going on he then tells me oh I see and yes now with XXXX they do require legal and late fees up front. Why was that not told in the total then? XXXX XXXX was told that {$4500.00} is due by XXXX/XXXX/15 or they are taking his home back. I want my money put back in my account ASAP and not every will I ever do business with XXXX.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following 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
Product: Credit reporting or other personal consumer reports

Nothing, I've disputed like I'm still disputing. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX This account was closed and charged off my account with a positive balance of {$320.00}. I did not close this account with a positive balance, so why does it keep revolving and updating on my credit report monthly? It makes no sense and I want it DELETED from my 3 reporting agencies. Why is this so difficult and why do the consumer reporting bureau allow these debt collectors to do this.IM REALLY TORED OF BACK AND FORTH and now it's getting ready to hit the news about how hard working people have to struggle in Georgia.
Product: Credit reporting or other personal consumer reports

Im in disagreement with the account listed below, which still appears on my credit report even after your investigation, I would like this item immediately investigated the Inaccuracies are highly injuries to my credit score. Acct # XXXX XXXX XXXX
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found inconsistent late payments on the dates below : 30 days late as of XX/XX/2018 ( XXXX only ) 30 days late as of XX/XX/2018 ( XXXX only ) I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.
Product: Debt collection

This company, XXXX XXXX, has used deceptive practices and also won't verify the debt, all while reporting the debt to the credit bureaus on a monthly basis.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate the date last active is inaccurate, and the date last reported is not accurate This is grounds for removal. 

They also violated my rights under 15 U.S.C 1681 Section 602A. 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: Debt collection

I XXXX XXXX a natural person am submitting this complaint myself. I received a collection letter from Credence Resource Management LLC dated for XXXX XXXX which stated an alleged debt owed in the amount of {$1400.00} and they are adding fees of {$220.00} to a total balance of $ XXXXSection 808 ( 1 ) of the FDCPA states that a debt collector may not collect any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless it is expressly authorized by the agreement creating the debt or permitted by law. On XXXX XXXX I sent a letter to Credence resource Management LLC requesting validation of the alleged account. I received a letter dated for XX/XX/2023 which was one page stating that the account was validated. there was no proof of the account information of anything.Section 809 of the FDCPA ( 15 U.S.C. 1692g ) provides consumers the right to request validation of the debt. If a consumer disputes the debt within 30 days of receiving the initial debt collection notice, the debt collector must provide verification of the debt, including the amount owed and the original creditor.
Product: Credit card or prepaid card

Bank of America says I have a credit card with a balance that was at one time being paid and now is not. I have never had a credit card with them and I don't know who has this card and was at one time making payments. They will not provide me with the original agreement showing who requested this card. They have destroyed my credit and will not do anything to resolve this. They continually call and mail looking for payments.