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

I called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and spoke to customer service and advised them payments were being reported late negatively affecting my credit report. 

The payments that are being reported on my credit profile violate my consumer rights under FCRA Consumer Law 15 USC 1666B. As a long- time customer that has had exceptional payment history with XXXX XXXX I am appalled that they will violate my consumer rights in such a manner that is detrimental to me achieving a good credit profile which affects my approval for other accounts. 

After speaking with XXXX customer service, they were not helpful and didn't listen to as a long-time customer. They advised me there was nothing they could do, although they were aware my consumer rights had been violated. I can not believe a company of this magnitude doesn't care about their customers consumer rights. 

XXXX is tarnishing my name and credit profile by reporting these late payments inaccurately without my consent. As well as my creditworthiness, character, and my general reputation which is also against the FCRA
Product: Mortgage

US Bank hired an attorney to submitted false information to the courts system. The attorney, XXXX, was NOT hired by the Department of Veteran Affairs ( VA ). US Bank was aware that XXXX misrepresented this material fact to the courts. When in fact, the VA was in possession of the home since XX/XX/XXXX. The home was voluntarily submitted to the VA in XX/XX/XXXX. In XX/XX/XXXX, the VA authorized a deed-in-lieu and was officially owned by the VA since XX/XX/XXXX. Therefore, the writ of possession should have gone to the VA and not me. To make matters worse XXXX misrepresented himself as an agent of the VA. Please see the attached documents. US Bank and XXXX intentionally submitted false information to the courts. The writ of possession should have been served on the VA and not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to you because I noticed some inconsistencies on my credit report. This is damaging my credit score and needs to be looked at immediately. Please see items listed below. 

Account name : FCC Finance Account number : xxxxxxxxxxx You're reporting late payments from XX/XX/XXXX up until XX/XX/XXXX yet XXXX and XXXX are reporting I paid on time. This is inaccurate reporting therefore please remove this off my credit report and update it to paid as agreed due to my FCRA rights.
Product: Credit card

I've made multiple attempts to add my XXXX XXXX checking account for payments through XXXX XXXX, but encountered persistent issues. Despite reaching out via their online platform numerous times, I was consistently redirected to call customer service. Despite my efforts in contacting them multiple times, I never received any notification regarding the issue. It wasn't until XX/XX/2024, that I was informed they do not accept XXXX XXXX XXXX accounts, which happens to be my primary payment method. Upon reviewing the terms & agreements, I found no mention of this policy. Consequently, XXXX XXXX fails to adequately inform customers of this restriction, neglects to provide clear policy guidelines, and omits this crucial information from the terms & conditions. 

Furthermore, XXXX XXXX does not offer alternative payment methods that would enable customers to make timely payments. As someone reliant solely on Social Security Disability Insurance, which is not disbursed in time for mail-in payments, I am left with no viable option to fulfill my obligations on time. 

Please find attach documents including the last statement and Terms & Conditions where XXXX XXXX FAILED to provide any information stating that XXXX XXXX XXXX is not allowed. Please find a photographic error message when received when attempted add this account. Please note no where on any of these documents state that XXXX XXXX XXXX account is not accepted by XXXX XXXX, thus customers like myself are not properly informed to make financial decisions. 

Also note that this situation exacerbates my XXXX  XXXX.
Product: Credit card or prepaid card

BankofAmerica Why is your team refusing to return money that was stolen from me? You know fraud was going on during the pandemic and billions were stolen. I have a police report and the money is insured. My whole identity was stolen. This is stressful and effecting mental heath. Card was used everywhere without my consent, claims w edd filed without my consent. I never received anything. I had covid 3 times since all of this started. For a year you let them steal from me and now you wont pay the rightful account owner. All I ask is to be treated fairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts are being reported as open when they are closed. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX showing a past due amount from an account that is closed and listed as open, XXXX XXXX XXXX showing the past due amount on an account that should be closed and now listed as open this account also don't belong to me and it's showing me as the one responsible for an account and that is wrong. I wrote the company and told them that they were reporting these accounts as open when they were closed and this company never responded. It has been over 30 days. Convergent Outsourcing has not been verified and is showing in collections which is fraud. I gave no one permission to create this account or share my information.

My credit score has not increased and I have done things for my credit to increase and the score is not moving. I reduce my debt and paid my credit cards down and they still haven't changed my credit score. 

They have also added collections " XXXX XXXX '' that hasn't been verified. I contacted this company when they sent me a letter and I asked them to validate this date they never responded but it still showed up on my consumer report. I don't want them to send old bills I want a true validation requesting the original purchase agreement sending all terms and conditions showing ownership, and all payments on account not a pile of bills that prove nothing.
Product: Debt collection

My complaint is with Wakefield Associates, I owed an doctor bill with XXXX XXXX Hospital for my daughter for which I paid by check directly to the hospital. I contact the credit bureau and collection company of two issues regarding the inquirer on my credit report. One, to inform them of paying the bill in full directly to XXXX XXXX Hospital and I provided them my check number, date of when I wrote the check along with the name of the bank I wrote the check on to the representative. Second, I informed the representative that the balance for bill is not correct and I also sent email them a copy of my orinigal bill along with my proofs of the cashed checks from the hospital and requested for them to update my credit report. It still has not been done nor is it correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an an account without my written instructions under 15 USC 's 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Company refuses to remove inquiries from my credit report that I had no knowledge of
Product: Checking or savings account

I was trying to transfer my money ( {$1000.00} ) in Marcus online savings account ( marcus by goldman sachs ) to an external bank account on XX/XX/XXXX, but they rejected my requested and then locked my account, saying that they need to verify my information and asked me to wait for a long time. I tried to know to the reason why they locked my account and the length of the waiting time for the review, but they refuse to tell me. However, my transfer from external bank account to Marcus was successful, which is ridiculous. I don't think they are trying their best to help me on that issue.
Product: Credit reporting or other personal consumer reports

Santander has reported a charge-off on my account, but I am disputing its accuracy. If a 1099-C was issued for this debt, it constitutes cancellation under IRS regulations ( 26 CFR 1.6050P-1 ), and the debt can not be both canceled and collected or reported as owed. I request validation of the debt, including a full accounting and proof of their right to report or collect. If the debt was canceled, the credit report must be updated to reflect a {$0.00} balance, and the charge-off must be removed.
Product: Mortgage

Mortgage paid off in full on XXXX/XXXX/15. Lender failed to return unused escrow funds ( {$1900.00} XXXX. Lender indicated funds would be returned by XXXX/XXXX/15. Funds have not been received as of COB XXXX/XXXX/15.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists " XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX  account # XXXX all are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 

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 XXXXXXXX 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 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

On XX/XX/2022 i contacted Credit Karma customer service via email through the means provided on the platform to close the account that was opened under false pretenses. I have also had some other issues with the service, including a false credit score issue that has wasted my time. The account is still open as of today XX/XX/2022, I called customer service and spoke to " XXXX '' but she could not help. Please help me resolve, and inform would be customers of their products and services of the communication issues as well as incorrect data provided.
Product: Money transfer, virtual currency, or money service

To Whom It May Concern, I am writing to file a formal complaint against Paxful , Inc. for multiple critical security breaches and failure to provide adequate resolutions regarding a transaction that occurred on their platform. Despite Paxfuls claims of offering a safe and secure platform for peer-to-peer cryptocurrency transactions, my recent experience has highlighted several concerning lapses in security and customer protection. 

Details of the Incident : Date of Transaction : XXXX XXXX, 2024 Amount : {$640.00} User ID involved : XXXX On the above-mentioned date, I was a victim of a phishing attack facilitated through Paxfuls platform. The phishing link was sent via Paxful 's chat feature by User ID " XXXX. '' This users profile was labeled as " verified '' by Paxful, which implies that the account passed Know Your Customer ( KYC ) procedures and document verification ( such as ID/Passport and Proof of Address ). Unfortunately, this label of verification led me to trust the platform 's security standards. However, I later discovered that this user had bypassed Paxful 's security protocols and was able to perform fraudulent activities on my account. 

Key Issues : Failure in User Verification : Paxful claimed that the user " XXXX '' was verified, which means the KYC documents were reviewed and vetted by Paxful. However, it remains unclear whether these documents were thoroughly vetted, as the user was able to engage in fraudulent activities despite being labeled as verified. This presents a failure in Paxful 's due diligence in verifying user authenticity. 

Security Breach - Bypassing Protocols : The attacker was able to bypass Paxfuls security protocols, sending a phishing link and logging into the account from different IP addresses ( from XXXX ) without triggering any security alerts or restrictions. The fact that these discrepancies did not result in a flag or lock on the account indicates severe lapses in Paxful 's security measures. 

Inadequate Response to Security Compromise : Despite the fact that the account was later marked as suspicious and Paxful acknowledged a security compromise, the platform failed to suspend the users transactions in a timely manner. This allowed the user to move my funds out of the account, even after it was marked suspicious. 

Unethical Retention of Transaction Fees : Paxful retained the 1 % transaction fee despite being fully aware that the transaction was compromised and part of a phishing attack. This raises significant ethical concerns, as Paxful continues to profit from a transaction that they should have flagged and prevented due to security breaches.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to state that this is complaint is from the Actual Consumer XXXX XXXX and not a third party of any kind. I looked at my TransUnion credit report recently and found an unauthorized inquiry reporting on my credit report. I wrote TransUnion a letter on XX/XX/XXXX to try to get this inaccurate information deleted from my credit report since it is hurting my credit profile and costing me money in higher interest rates. Much to my dismay TransUnion wrote me a letter back stating that " we wont process your request ''. ( because they think that I did not write the letter of dispute myself ). I am a XXXX XXXX XXXX XXXX XXXX XXXX  and i am able to write my letters of dispute without need for a third party. 
TransUnion is not taking these inaccuracies on my credit report seriously and they are taking my rights for granted, Please assist. 

XXXX XXXX INQUIRY DATE : XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX Attached is the letter i wrote to TransUnion and the letter TransUnion wrote back to me refusing to process my dispute. 
i have attached my drivers license as proof of Identity and my phone and internet bill as proof of address so there are no questions about my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand this CRA to send me a copy of my credit file pursuant to 15 USC 1681a ( a ) ( g ).
Product: Credit reporting or other personal consumer reports

The unverified ITEMS indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these ITEMS. Please follow the law so that this situation can be settled quickly. I need the following ITEMS to be updated from my file right away XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

I have been an Affirm customer since 2019. I paid my loans on time, although I had suffered a reduction in my income but do my best to afford the monthly payments. Recently, I tried to get a loan for a purchase and unfortunately, Affirm denied me the loan because allegedly my credit score fell beneath the minimum required for them to offer me the loan. They never specified me which was the credit score and on top of that, they outlined that the decision was final. This was very deceitful, as I always have been responsible with my payments, and suppose that I need to make an emergency purchase of any kind at any time, then Affirm will not let me do it.
Product: Debt collection

Until XXXX XXXX XXXX, my wife and I had cable with XXXX. I ( XXXX XXXX ) paid monthly by credit card, and the bill had my wife 's XXXX XXXX XXXX XXXX name on it. 

We closed that account, a process that took hours given the ineffeciency of that company. After paying our last bills and getting confirmation that we did not owe anything, that was it. We made sure multiple times that we did not owe anything. 

We had just sold our house and moved to a place outside of their service area. We have not even had incidental contact with XXXX. There is no possibility of using their service by accident. 

Then this morning I received an email from True Accord, their automated debt collection service, for {$49.00}. 

We do not owe this money and have not had contact with XXXX since XX/XX/2022. We have moved away and have no relationship with this company.
Product: Mortgage

My name is XXXX XXXX. phone number XXXX. I have a current mortgage loan with Wells Fargo Home Loans account number XXXX. I have been trying to fix multiple issues with my mortgage loan. 1. Issue is XX/XX/XXXX, I refinanced my home at XXXX XXXX XXXX, XXXX XXXX TX XXXX which my escrow account number was at the time XXXX before they transferred my escrow funds into the new account escrow number XXXX which was for XX/XX/XXXX the balance was {$2500.00} that was transferred into XXXX. XX/XX/XXXX I decided to sell my home at XXXX XXXX after speaking to a Wells Fargo rep they told me no money down. Wells Fargo never transferred my funds from escrow XXXX to my new home XXXX XXXX XXXX, XXXX, TX new account # escrow XXXX for the taxes they paid the taxes on the wrong home XX/XX/XXXX. Wells Fargo was informed due to pending sale do not pay the taxes on XX/XX/XXXX for XX/XX/XXXX taxes on XXXX XXXX from the current owner 's escrow which Wells Fargo did. I called and confirm this information with XXXX County, XXXX Tax Office and XXXX XXXX. The new home owner closed on XXXX XXXX XXXX and received her keys on XX/XX/XXXX. I moved into XXXX XXXX XXXX, XXXX, TX XXXX I paid taxes on both homes .. I did not reside in XXXX XXXX XX/XX/XXXX. I am due a refund for taxes paid to XXXX County, XXXX, and XXXX XXXX from my escrow account which was paid from my escrow account on XX/XX/XXXX paid to these businesses. Wells Fargo is giving me the run around even though I sent them proof of my escrow history and XXXX County, XXXX and XXXX XXXX state that it was Wells Fargo mistake they have to fix it. Please help. 2. Wells Fargo and I have been going back and forward with my PMI the Mitigation Specialist identified that my mortgage insurance was to high for my mortgage but she was given the run around and I was sent to various departments and this never got resolved. Wells Fargo sent me a letter stating that I maybe due a refund due to PMI being high. This was never resolved. 3. I lost my job due to workload reduction, XX/XX/XXXX I was making {$90000.00} when I purchased the home at XXXX XXXX, XXXX, TX. I have been since employed but my debt to income ratio is clearly high and my credit is poor now and I fall back on my mortgage. Also, my mortgage went from {$1000.00} to {$1500.00} in less than one year after purchase. They are telling me I owe them money. I sold my old home for {$100000.00} and I only owed $ XXXX {$85000.00} somewhere around that and I put money down on my new home about {$6000.00} plus what ever from the sale of XXXX XXXX . There was a {$4000.00} fee I questioned the title company do n't know what it was for and Wells Fargo do n't know. My agent passed away XX/XX/XXXX. I am in a forbearance and I do not want to loose my home. I work hard and I was in my last home 5 years and never missed one payment. I believe I was a victim of some type of scheme or someone not knowing what they were doing. Why do I owe so much. No one can answer my question and they say they are researching and come back with the same answer that is a note from a previous note someone else placed into your file. Please help. I want to keep my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. INACCURATE INFORMATION has been reported : Account name : # XXXX ( XXXX XXXX ) Monthly Due Date is the XXXX of each month - XX/XX/XXXX ( Paid on XX/XX/XXXX ), XX/XX/XXXX ( Paid on XX/XX/XXXX ), XX/XX/XXXX ( Paid on XX/XX/XXXX ), XX/XX/XXXX ( Paid on XX/XX/XXXX ), XX/XX/XXXX ( Paid on XX/XX/XXXX ) all marked as late when was NOT more than 30 days late. Statements are attached showing the payments within 30 days of due date ( Highlighted in yellow ). I have reached out to XXXX XXXX  on many occasions who agreed with my findings & stated to reach to credit bureaus. 

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. 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: Mortgage

Select Portfolio Servicing is foreclosing n my house on XX/XX/XXXX. I just received an Ordinance Violation for disrepair of the roof. SPS has held this money since XXXX hey have not worked out an amicable repayment on my mortgage. I am currently on unemployment and recovering from XXXX. 
With the original HAMP/HARP/their loan modification program, I submitted the paperwork in a timely manner. As they requested I called every two ( 2 ) weeks. I was told their was a " computer issue '' and they could not produce the documentation. Their ombudsman stated there was no computer issue. My mortgage went from $ XXXX to over {$700.00} then up to over {$900.00} per month including insurance. I wanted to obtain my own homeowners insurance but since SPS would not release the fund for the claims, no other insurance company would insure the house. I am being forced to move from my home by the end of XX/XX/XXXX. Due to my current health conditions this is virtually impossible and may put my life at risk.
Product: Debt collection

I discovered multiple incorrect accounts on my credit report. I ask that these fraudulent entries be removed as soon as possible.