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

I initiated a transfer with Santander bank to transfer {$25000.00} from my account at XXXX to fund my account at Santander. Both bank accounts belong to me. On XX/XX/XXXX XXXX withdrew from my external account XXXX {$25000.00} and verified with an email that transfer was on its way. XX/XX/XXXX I got an email saying that they are sending the {$25000.00} back to XXXX and I should be on the look out for the return. As of today XX/XX/XXXX I have not received the money. I went to branch twice and called numerous times. Each time the response was, we are looking into it.
Product: Credit reporting, credit repair services, or other personal consumer reports

One of my collections accounts was deleted which suppose to raise my credit score but lowered it instead
Product: Debt collection

On XX/XX/XXXX, I received an alert on my credit report of a collection from XXXX XXXX XXXX and an alert of an additional address that is out of state ( also added by this collection agency ). The collection was opened 2 months ago and the original creditor is said to be Check Into Cash with the amount owed being {$610.00}. I immediately called XXXX XXXX XXXX and in speaking with an associate, I was told that the account with Check Into Cash was opened XX/XX/XXXX with a payment being made to/from some bank account that I had never owned. There are several things wrong with this situation : First, XXXX reports a collection to my account for a payday loan without any prior notification. Second, an address that I have never lived at ( in another state ) is being reported to XXXX by this company. Third, payday loans are illegal in the state of Georgia and I have never resided anywhere else! Fourth, the I have never banked at the institution named by the associate I spoke with on the phone. Since I am currently involved bankruptcy and have had identity theft issues in the past, I was told my only recourse would be to file a police report ( for fraud/identity theft ) and then fax it to them ( XXXX ) so that they could investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I set up an AutoPay for my mortgage with XXXX XXXX through my XXXX XXXX XXXX checking account via their website. This AutoPay should of paid the XX/XX/2021 payment. XXXX XXXX did not post this autopayment and subsequently sent to the credit agencies a delinquent payment notice. 

XXXX XXXX sent a late payment notice dated XX/XX/XXXX, which I received on XX/XX/XXXX, and I quickly called XXXX XXXX customer service and spoke to XXXX, ID XXXX. He informed me that XXXX XXXX did not credit my account with the AutoPay for either XX/XX/XXXX or XX/XX/2021 payments. He did not have an explanation why XXXX XXXX did not post the AutoPay since he saw that the AutoPay was set up on XX/XX/XXXX. He did remove the late fee for their error, however. That day I had XXXX XXXX  XXXX make two payments for XXXX and XXXX 's mortgage payments which brought my account current. 

During this period, I have been applying for a new 12 month construction loan with XXXX XXXXXXXX XXXX, Idaho. They informed me that my credit scores have dropped over a XXXX  points because of this delinquency from when they gave me the initial credit approval to the final mortgage approval, and that the interest rate for the final 30 year loan will have a big hit on interest rate that they can provide. With this news I applied with XXXX XXXX  for this construction loan. They declined my mortgage request because of this delinquency. 

I have sent two certified letters to XXXX XXXX Dispute Department, XXXX New Jersey, on XX/XX/XXXX and again on XX/XX/XXXX to dispute this delinquent mortgage payment. I just received their response in the mail on XX/XX/XXXX where they declined my request to withdraw the credit notice to the credit reporting agencies. It took almost 7 weeks for them to respond. I requested a phone call to discuss their error, which they ignored. This error will cost me significant financial harm if not corrected
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is in violation of 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) ( B ) ( i ) ( ii ) - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

Experian is violating federal law under 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) ( B ) ( i ) ( ii ) by not removing the inaccurate accounts from my credit report. Please see the attached dispute letter. Dispute letter was mailed certified on XX/XX/22 under tracking # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

I started a cash out refinance wi th Midwest Equity Mo rtgage  LLC on    XXXX   at 3.75 % for a 30 day lock for {$420000.00}. I provided all requested documents within 1 day. The file was opened in the encompass loan center on   XXXX  . There were several delays during the process due to them. I have emails where they are stating that it was no delays on my part but theirs. The loan  officer  was out for 3 days. Also, I was told that it only takes a max o f 72hrs  to be reviewed by the underwriter, but it took over a week. Now today, my loan officer contacts me and says that they need a little more supporting documents to show assets  (  which I already submitted  my 401k statements and 401k  disclosure on  XXXX  to the encompass loan center portal ), and that my loan will not close within the 30 day lock period and the lender is not willing to extend my lock, thus they need to go to the open market where the current rate is 4 % ( which also does n't make sense, because the rates have only gotten better since the date I initially locked the rate ). I feel that because I had locked a great rate, they are trying to not honor what was promised, and switch the rate higher at the very last minute to make more money. Essentially pulling a bait and switch at the very last minute. I feel that they should honor the original rate, since they are the reason it was delayed. Not to mention it is only the   XXXX   and there should be enough time to close by the   XXXX   ( which they are saying that we cant close in time ). Also, they are saying that the lender is not willing to extend the rate, which makes no sense either. I definitely think they are being dishonest to make more money out of this refinance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX My XXXX XXXX Report # XXXX shows fraudulently a false entry on my credit report and is to be delete as it is not mine. 
Account # XXXX XXXX XXXX XXXX. Date of Order & Date of Receipt XX/XX/XXXX. XXXX XXXX Reference # XXXX. Risk XXXX claims Subject XXXX claim reported. THIS IS NOT MINE. DELETE ALL from Lexis Nexis and XXXX CRA 's. Further on page 1, On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cause of Loss Theft/XXXX Amt paid XXXX NOT MINE address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX & XXXX XXXX. NOT MINE. AND..On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Theft/W Amount paid XXXX. IS NOT ME!!!!! And # XXXX XXXX XXXXXXXX XXXX XXXX Theft/XXXX XXXX paid . NOT MINE. AND # XXXX XXXX XXXX XXXX XXXXl DELETE its all FRAUD. You have wrong person. FCRA.
Product: Student loan

My current student loans are being serviced by Fedloan. In the last few months I 've had some extra money and figuered I would pay down my loan a little extra. After a few months of doing this, I noticed my payment amount changing which seemed odd, so I looked into what was happening. Instead of applying my extra payments to curent principal after all my interest payments were satisfied, they were applying my payments to " future '' payments. It would seem to me that any interest my loan accrued on an amount that should have gone to principal is fraudlent. It is not a huge sum of money, but they are in effect preventing me from paying down my loan faster. This would seem like its a form of an undisclosed pre-payment penalty and seems like its illegal. I ca n't XXXX any XXXX person has huge damages from this practice, but If they are doing this to anyone looking to pay down there student loans faster, I would bet this adds up to a lot of ill begotten gain.
Product: Debt collection

Navy federal has continued to harass me for a alleged debt. I told them not to contact me a while back and they continued contact me and are in violation of 15 usc 1692d ( 4 ) ( 5 ) and it states ; A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.

( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

( 3 ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a ( f ) or 1681b ( 3 ) [ 1 ] of this title.

( 4 ) The advertisement for sale of any debt to coerce payment of the debt.

( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

( 6 ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the callers identity.

Spoke with a representative regarding this matter they said they can not contact me for 30days but I never agreed to those terms because that isnt what the law says. I dont want them contacting me unless its about payment for the violation of the law.
Product: Credit reporting or other personal consumer reports

I have been a victim of ID theft. As a result there were accounts opened in my name. There was information changed in my name, addresses, phone numbers, emails, etc. None of which were mine. I provided to the creditors and the credit bureaus proof of my residence for 4 years, copy of my Drivers License with that same address. Social Security Card, Police report with the account listed, FTC report with the account listed. I offered to sign an affidavit etc. 
I reached out to XXXX XXXX. They DO NOT SHOW THIS ACCOUNT REPORTING IN MY NAME OR SOCIAL. They refer me back to Equifax. And once again I am getting the run around and victimized by the credit bureau and the creditor repeatedly. 

So, if XXXX XXXX says " they are reporting this account under the correct persons name and info NOT mine '' so why is Equifax refusing to remove this. I am caught in a trap of ignorance at Equifax and blatant refusal to remove an account that is clearly NOT suppose to be reporting in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS A LEGAL NOTICE AND WILL BE USED AS EVIDENCE IN A COURT OF LAW Since XX/XX/XXXX, and on several documented occasions within the past year ( XXXX ) I have requested Equifax Information Services LLC to remove the incorrect addresses from being reporting on my credit file and Equifax Information Services LLC has refused to remove the incorrect information. 
This incorrect information is causing me grave financial harm. Please instruct and force Equifax to remove the following incorrect addresses : XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX. 
Equifax Information Services LLC if you continue to refuse of not removing the incorrect information then please stop maintaining and reporting my credit information ; and remove or delete my credit file from your data bases. The information you report belongs to me, XXXX XXXX, and the credit information is my property not yours, so please perform your fiduciary duty of maintaining my credit information accurately. 
If you, Equifax Information Services LLC, refuse ; then please inform me that you will no longer maintain my credit information on your data base. 
If I am denied credit in the future due to your negligence of my maintaining and reporting accurate information then you, Equifax Information Services LLC, agree that you shall be solely responsible for any of my financial loss, the defamation of my character, any loss of any opportunity I loss and any other damages, harm caused by your negligence. 
Please remove the incorrect addresses within 10 days ; Equifax Information Services LLC if you refuse, I will commence legal action to obtain the monetary amount I informed you I would seek on the notice I sent via Certified Receipt # XXXX, in which you received XX/XX/XXXX. I will seek the amount I stated in a court of law. 
I am requesting for Equifax Information Services LLC to remove the incorrect information within 10 days. 
I certify under penalty of perjury this statement is true and correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute a billing error in the amount of {$130.00} on my account. The amount is inaccurate because I did not make this purchase. I am requesting that the error be corrected, that any finance and other charges ( including late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX be redacted from your reporting to the Credit bureaus because I would not have been late on my payments if I was aware that a large transaction was made ( I did not budget for this fraudulent charge ) ) and related to the disputed amount be credited as well, and that I receive an accurate statement. 
Enclosed are copies of my credit report, and credit card statements supporting my position. 
Please investigate this matter and correct the billing error as soon as possible. I have highlighted and numbered these disputed items on the attached copy.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX - notice unable access credit file on their myequifax.com. Tried to do pre-approval to purchase home and they were unable to get info. I contacted Equifax and they tried to get me access. Requested I fax info, info faxed, and I have email stating issue resolved. Issue was still unresolved. I went back and forth for a while and decided to wait on the home buying. 
I started again in XXXX and still can't access my file. They requested a mail info. I sent info on XX/XX/XXXX, using priority mail and they received it on XX/XX/XXXX. I called on XX/XX/XXXX and they asked that I call back on XX/XX/XXXX. They are still not showing it was received yet and told me to resend info. 
I have been dealing with this for over a year and feel it is not fair that I don't have access to my credit file even with the XXXX XXXX XXXX
Product: Debt collection

on XX/XX/2017 I received a call from a debt collection agency stating I owed {$1200.00} for an old apartment. They refused to give valid information about the debt, or the company I am alleged to owe this money too. I was on a month to month contract with this old aprtment complex & can not understand how a XXXX/mo bill turns into XXXX. They did not validate whom they were speaking with and I could have been a 3rd party. I am concerned that they may have given my personal information out to other parties in violation of my rights by disclosing debt to unauthorized parties. The name of this company is Collections Specialist Inc. owned by XXXX XXXX @ XXXX XXXX XXXX XXXX IN XXXX. Their phoine number is XXXX XXXX
Product: Credit reporting or other personal consumer reports

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 168b permissible purposes of consumer reports. 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. 

These inquiry was not authorized 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 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 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 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 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 has violated my rights. On a list of inquiries : 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports : This section outlines that consumer reports can only be furnished under specific conditions. My rights to privacy and confidentiality have been violated as my report was accessed or shared without permissible purpose.

15 U.S.C. 1681s-2 ( a ) ( 1 ) - Responsibilities of Furnishers of Information : This statute prohibits the furnishing of any information to a consumer reporting agency that is known to be inaccurate or has not been verified. [ Name of Furnisher/Creditor ] has furnished information that is either inaccurate or unverifiable.

15 U.S.C. 1681 Section 602 ( a ) ( 4 ) - Right to Privacy : The statute emphasizes the need for consumer reporting agencies to handle consumer information with fairness, impartiality, and respect for the consumer 's right to privacy. This has not been upheld in my case.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Requirement for Written Consent : This section specifies that a consumer reporting agency can not furnish a consumer report without the consumer 's written instruction. I did not provide written consent for the inquiry or account listed. 

15 U.S.C. 1681c ( a ) ( 5 ) - Prohibition of Obsolete Information : This section prohibits the reporting of adverse information older than seven years ( except for records of convictions ). The report in question contains outdated or irrelevant information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very stressed at this time as I am in the process of applying for a mortgage loan and that is when I find out that I have an account that is in collections. I immediately send a debt validation letter to Aargon Collection Agency and their response was sent to me after 30 days and they did not send the information that was requested. What was sent to me was insufficient being that I didn't receive the original application with my signature on it and the complete payment history with the itemized bill associated with this alleged debt. This collection agency has reported information that is not 100 % accurate and is considered as negligence on their part. I never verified this debt and this is the first time I was made aware of the alleged debt when I seen it appear on my credit report when applying for a mortgage loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention an issue I have recently encountered with XXXX XXXX a financial institution. I have always been timely in making payments on my account with them, and recently made a payment in advance of its due date. Despite this, the company has hastily closed my account, resulting in harm to my credit score. 

I have made attempts to rectify the situation by reaching out to XXXX and explaining the error on their part, but have yet to receive a satisfactory resolution. I would greatly appreciate any assistance you can provide in addressing this matter and ensuring that my credit score is not negatively impacted by this unfortunate mistake on the part of the company. 

Thank you for your time and consideration.
Product: Credit reporting or other personal consumer reports

After investigation was completed by TransUnion back on XX/XX/2024, the information that I was reporting Fraudulent on my credit report still has not been updated or removed despite the FTC Report and a Police Report. TransUnion continues to report information that has not been verified by the creditor as 100 % accurate or remove this information that was opened fraudulently. 

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 requested a description of the reinvestigation and they do not provide it to me which is a violation of 15 USC 1681i7.

They also violated 15 USC 1681i ( 5 ).

Can you please look into this matter?
Product: Checking or savings account

On XX/XX/year>XXXX  I noticed an unauthorized transaction that had occurred on my Chase checking account. Immediately disputed the charge and had them send me a new debit card as the previous one has been compromised by this charge. They initially reverse that transaction and provide me with credit for it as it was reported in a timely manner. 

XX/XX/year>XXXX  they contact me and reverse the transaction amount from my balance. I attached a copy of the letter. I then contacted him directly at chase customer claims dept the documents and proof that resulted in the negligent resolution of my dispute. As the transaction details didnt even provide a merchant contact information that I can get in contact with them to further proceeded with this unknown charge on my account. No signs of any evidence of me actually authorize this transaction or provide provided nor any contact information for the merchant was provided.. I was just informed that that did not require a pin and it would not be settled in my favor. Then they proceeded to close my Chase account. Holding me victim to this financial burden of this unauthorized transaction that could be identified or have information provided about. 

They proceeded to close my account and are currently holding my funds hostage.
Product: Checking or savings account

My cashapp account was closed for no reason I never had cashapp account