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

Dear XXXX XXXX, Thank you for your response dated XX/XX/XXXX, regarding the international wire transfer initiated on XX/XX/XXXX, in the amount of {$7700.00}. While I appreciate the details provided, there are several critical concerns that remain unresolved, particularly regarding the inaccurate use of my name as the sender for this transaction.

Outstanding Issues Cause of Error : Please clarify why my name was used as the sender when the transaction was initiated by XXXX XXXX XXXX via online banking. This error has caused significant confusion and resulted in the wire being returned, despite amendment attempts on XX/XX/XXXX. 

Privacy and Liability Concerns : The use of my name as the sender for a transaction I did not initiate raises concerns about potential reputational and financial risks. I kindly request an explanation of the safeguards PNC Bank will implement to prevent similar errors in the future.

Request for Documentation : To fully understand the processing of this wire, please provide any internal records, including communication or notes regarding the amendment requests and the steps taken to correct the sender information.

Implications for Joint Account Holders : While your letter notes that joint account holders have equal rights to conduct transactions, it is imperative that all transactions accurately reflect the initiating party. Please confirm whether PNC 's systems can distinguish between joint account holders in such cases.

Requested Resolution To resolve this matter, I kindly request the following : A detailed explanation addressing the above issues.

Assurance that this error will not affect my standing or reputation with PNC Bank or any other institutions involved.

A timeline for implementing safeguards to prevent similar errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I called CMC Funding XX/XX/2019 to get a payoff amount on my mortgage, first payment due XX/XX/2019 but sold my former home so I wanted to pay in full. Sent a certified check for the full amount on XX/XX/2019 knowing there would still be interest owed. Called XX/XX/2019 to find status since I received a letter saying I now owed two months of mortgage payment. Was told if a check for the shortfall was not received by XX/XX/2019 my original check would be returned. Immediately the doorbell rang, there was UPS with my original check, on the XXXX! I called CMC, spoke with XXXX who gave me an additional amount to pay. Left for the credit union right away, wire transferred the original amount of {$320000.00} plus an additional {$1900.00} in interest. On XX/XX/19 received notice of foreclosure. Called immediately, spoke with several people who claimed a shortfall letter had been sent ( I never received anything ) interest was still being charged, yes they had my wire transfer but it had not been applied since it was not the full amount. I asked how I was supposed to know this and they said a letter had been sent. We went around and around until finally I was given an additional amount to wire transfer to stop the money bleeding. A claim was supposed to be initiated, I did receive a check for {$160.00} for escrow (? ) but no additional explanation. I don't feel I should owe any interst after XX/XX/19. Customer service did nothing but give me the runaround, made it difficult to payoff the mortgage and I still don't think they have been accountable.
Product: Mortgage

In 2014, I sold my home that was financed through Bank of America. Although the foreclosure process had started, I sold the home for a price that would cover the entire balance owed, interest generated and fees accumulated. Prior to closing however, Bank of America forced me into a Short Sale scenario but sending out the Escrow for insurance that was n't due for another month and by their attorney having increased fees. The attorney also did n't respond to a request for payoff for over a month that accumulated more in interest fees. Although the payoff was only {$2200.00} short because of their actions on a {$170000.00} amount, they have reported it as not paid in full on my credit. They have refused to reexamine the situation or refund the additional amount of interest because of their attorney 's actions. I was not able to use HARP as I was self employed. They refused to modify my mortgage loan as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you that I was the victim of identity theft. I researched how to remove the fraudulent inquiries and Personal information from my report and found that I needed to visit the Federal Trade Commission, or https : //www.ftc.gov, to file a report. Credit reporting agencies are required by FCRA Section 605b to remove or block any inquiries and Personal information listed on an ID theft report. Please see the attachments for assistance in blocking the incorrect information that is being posted to my report. 

These are the following lists of inquiries and Personal information that do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ), the credit reporting agencies shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX and autograph XXXXs the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, TARGET/TD failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
TARGET/TD Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
TARGET/TD Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge. 
On the date XX/XX/2022 XXXX XXXX, agent, XXXX XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent a complaint through the XXXX  to Equifax got a message back the next day, basically refusing my request to re-investigate. 

Since the Equifax Data Breach back in XX/XX/2017. I have seen a variety of different things keep appearing on my Equifax Credit Report that I dont know where they came from. Anywhere from New Inquires, New Accounts, Fraudlaunt Applications they have came across my credit report. 

Whats weird about this whole thing is when I questioned XXXX  and XXXX  they investigated the same thing I ask Equifax to do, and their results after investigating came back with several accounts that resulted in deletion because they found IP addresses came out of another state. 

So when I ask Equifax to do the same they continue to refuse my request which should be against the law. I know they broke the law by refusing my request to reinvestigate
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XX/XX/XXXX Bank of America, XXXX XXXX XXXX, XXXX XXXX, TX XXXX Dear Bank of America, Request for Credit card Reopen XXXX I am member Bank of America since XXXX and I am enjoyed my credit card benefits and paying bills on times. Today I received letter indicated my account has been closed. ( letter attached ) My credit score XXXX and I am maintaining my credit good conditions. 
I am so disappointed your bank closed my account and please re consider to reopen my account. 


Thank you. 


XXXX XXXX XXXX XXXX
Product: Debt collection

I was never contacted about this debt. I 've had a decent credit score for the past couple of years, and all of a sudden this {$15.00} debt pops up out of nowhere? It says that it 's from 2012! That 's 4 years ago, and I 'm JUST NOW hearing about it. It 's gashed my credit score and I want it removed and my credit score reversed back to how it was. I would GLADLY have paid {$15.00} if I knew about it! I was never contacted about any {$15.00} debt, and it 's from 4 years ago! My credit score should not be this low because of some tiny debt that I had no clue about!
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. 

As well as XXXX  XXXX, XXXX, XXXX  XXXX XXXX XXXX, XXXXXXXX XXXX XXXX US DEPT ED Have violated my rights In accordance with the fair credit reporting act 15USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as a late for any purpose.

15USC 1681 Section 602 states I have the right to privacy.

15USC 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

First Collection Services is aware that this alleged debt is the result of identity theft and still asked me to pay on this debt and still attempted to collect as well as report in my credit report. They have investigated this account and have not correspondent with me anymore. I have recently sent a cease and desist along with a notice stating I am disputing the validity of this debt on XX/XX/2021. XXXX XXXX of First Collection Services responded by stating they will no longer communicate except as allowed by law. But the law doesn't define specific communication just that if a consumer asked a debt collector to cease communication they must cease all communication. I also sent over that I am disputing this debt and that I was requesting an audit trail pursuant to federal rule which I did not receive. Because First Collection Services has ignored my right to dispute the validity of this debt I am asking the CFPB to step in and help enforce the law and my right.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
Product: Debt collection

They contacted me first in a bill they had purchased and bought. And it was an old bill from a hospital back in 2017. The statute of limitations is over for the amount owed. Plus, i did not go see these people, did not sign anything or agreement with these debt collectors if i did show me proof. And they sent this amount they claim i owe to the credit Burroughs, trying to discredit me, claiming i didn't pay my debt to them. I think debt collectors should nit be allowed to collect on owed debts that they can not prove was not paid.
Product: Debt collection

Contacted company I have a membership with as well as the creditor who sent a debt collection of {$310.00} on a credit card fraudulently opened or was due to identify theft. I never opened a credit card with BJs Wholesale the only card I ever opened with them was a Military Member ID. Neither BJs or Comenity Bank can provide me information in regards to the credit card I never applied or authorized and I have no information on my account through BJs Wholesale
Product: Debt collection

On XX/XX/XXXX, I contacted XXXX XXXX in regards to a vehicle that was reported to Allied Collection on XX/XX/XXXX. After providing the VIN of the vehicle, at the request of the representative, there was no record of the vehicle at XXXX XXXX. I contacted the DMV on XX/XX/XXXX and it was confirmed that the vehicle registration was surrendered in XXXX, the same time the vehicle was returned to the car dealership. The representative advised me to satisfy the debt but was unable to provide information on the account. Due to a lack of data, I am requesting the removal of this account from my credit report.
Product: Credit reporting or other personal consumer reports

I called to make a payment on my XXXX XXXX account on XX/XX/XXXX before my XX/XX/XXXX due date. Their online system will not accept my XXXX XXXX account online, so I have to spend the time speaking to a customer representative to make a payment. 

I spoke to a customer representative over the phone and confirmed both my account number/routing number. She confirmed that the payment had been processed. 

I got notice a few weeks later that they had reported my account as past due and then proceeding to report to all the credit bureaus, which resulted in a chain reaction of several banks cutting my credit limits, leaving my unable to use cards for corporate travels/reimbursements. 

When I called XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, they confirmed that this was an error on their end. The agent had mistyped my account number and added an extra XXXX to the end. After this was done, there was no communication and the account showed paid online. They acknowledged fault and refunded the late fees. 

They mentioned that I dispute with the credit bureaus, but answered the dispute saying that I was past due. 

The two screenshots show that they reversed the late payments and recorded a payment on XX/XX/XXXX. The second shot shows my bank account on the date and that I had enough money to make the payment.
Product: Credit card

I got my CITI XXXX XXXX XXXX in XXXX. Once I got the card, I set up my autopay immediately. 
However, on XX/XX/XXXX, I found I was charged for late payment and interest on XX/XX/XXXX. So I logged in my CITI account immediately and found the autopay had n't set up successfully. So I passed my first bill due, which was XX/XX/XXXX. 
But I think, in this case, CITI 's poor management played a very important role. So I am writing to request CITI to refund my interests and late payment fee, which in total was about {$90.00}. My reasons are as follows : 1. I tried to set up my autopay once I received my card, but for some unknown reasons, I did n't set up successfully. However, there was no notification from CITI informing me of my unsuccessful autopay setup. 
2. I did n't receive any notification from CITI warning me that the bill due was approaching or I did n't pay my bill. I think it is CITI 's responsibility to inform its customer of the payment status. But I checked my emails, my messages, and even my voicemails, there was no one was from CITI. If CITI had warned me, I would have paid my bill on time. I have an excellent credit score, I wo n't owe any money to the bank. 
Therefore, I believe in this case CITI failed to fulfil its obligation, resulting in letting me make a loss. So I am writing to file the complaint and I hope anyone from CITI would contact me in the future and give my money back. 
Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX account is being reported late 6 times for XXXX per each loan I was under the impression that I was paying one loan but it's split into three so one payment = 3 or one missed payment would be three missed on my credit,. 

My account is being reported wrong by all credit bureaus because I was in forbearance at the time that these late payments have been reported Section 623 ( a ) ( 2 ) States : If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. 

In this case, I was in forbearance during that tie and document attached proves this. By law, credit need to be reported as of this time with all information and documentation
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX  XXXX  Account Number : XXXX Inquiry XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

A false account was opened in my name to get a XXXX XXXX. this was when fraud was being used against me. They refuse to remove this collection becaus they insist i owe this fraud debt. It has noe been four years and they still will take no acyion to remove the ] is debt. They have never proven in anyway that i owe this debt. There is absolutlry no siganture on ant documents that says i bougt a computer.
Product: Mortgage

I need a insurance check endorsed. mr. cooper staff hang up on me when I request information on the address to send the check to. I have spent over 6 hours on hold and at least 10 different call regarding the same issue. mr cooper has also lost 3 checks that I have sent with there self addressed envelopes. mr cooper staff told me that the only way they could stop loosing my checks is to set up a auto pay from my checking account. I told them I was not interested. They said they would continue to loosing checks and make my account late in tell I set up auto pay.
Product: Credit reporting or other personal consumer reports

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional XXXX that this negative rating has caused me and will continue to cause until it is resolved.
Product: Credit reporting

In my credit report is my x husbands credit card ( us bank revolving line ) which has not been updated since XX/XX/XXXX.My credit was pulled XX/XX/XXXX.This account was included on his bankruptcy as '' unsecured claims receiving disbursements '' I have contacted US Bank several times as it is on my credit report ( over the last two years ) .Last on XX/XX/XXXX via phone and XX/XX/XXXX and they can not find this account by account number, Social security numbers or either of our names, but will not take off credit report.I sent last certified letter to them XX/XX/XXXX they have received on XX/XX/XXXX and have not contacted me.Again I contacted them ( us bank ) XX/XX/XXXX they are still unable to find account but, it still appears on my credit report as negative.They send me from one person to another finally to automated line which gives address to send dispute to.I have done this now twice most recently XX/XX/XXXX and I can not get US Bank to respond.phone numbers called XXXX on XX/XX/XXXX and XX/XX/XXXX