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

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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, credit repair services, or other personal consumer reports

I WAS VICTIM OF IDENTITY THEFT AS A RESULT SEVERAL ACCOUNT APPAER IN CREDIT REPORT AND TAXES WERE FILE UNDER MY NAME BARCLAYS BANK DELAWARE # XXXX.
Product: Money transfer, virtual currency, or money service

I am an American expatriate living in XXXX XXXX and working for a XXXX XXXX XXXX. My employer recently changed direct deposit policies so that the balance of my monthly pay was sent directly to my XXXX bank account rather than my U.S. bank account. Knowing that this change was about to occur, I set-up international wire-transfer instructions with XXXX XXXX XXXX XXXX  ( XXXX ), and sent a test transfer to to XXXX XXXX, XXXX to ensure that my data was correct. Within 36 hours my test was successful and I was confident that I had provided proper information to the bank. When my salary was deposited into my XXXX account on XX/XX/XXXX, I utilized the wire-transfer profile I had previously set-up and wired the balance of my salary to my Chase account. It is now XX/XX/XXXX and my wire still has not been deposited into my Chase account. I have contacted XXXX and paid for a trace on the transfer, which they performed and confirmed was received and acknowledged by Chase Bank. Chase Bank still denies any knowledge of the incoming transfer and my full monthly salary is still missing. I filed a complaint here with the XXXX XXXX XXXX XXXX but their government has confirmed what my XXXX bank claims. I filed a complaint with the FDIC against Chase and they referred me to CFPB, which is why I am here. All of my monthly bills and debts are now being deducted from my Chase account, and the account is currently overdrawn by over {$2000.00}. HELP ME PLEASE.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX has reported an installment loan on my Equifax credit report in the last 3 or 4 months that I NEVER applied for nor borrowed. This item has been disputed with Equifax to no avail. I personally consider this to be fraud on XXXX XXXX XXXX XXXX part due to falsifying my credit report. It looks to be a {$2000.00} installment loan for 12 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

have been getting calls saying that i owe a debt I recently filed for Identity Theft and wasn't able to add all the accounts on the Identity theft report but I have # 3 accounts here that are under Identity theft that I wasn't able to add XXXX XXXX XXXX XXXX XXXX XXXX  I would like them off my credit report and would like for this company to stop exposing any private information that it has of mine. I have no contract with this company and no dealings at all ( 15 usc 1692 )
Product: Credit reporting, credit repair services, or other personal consumer reports

The following unauthorized inquiries are being reported on my credit reports : 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, credit repair services, or other personal consumer reports

I am writing to dispute the reporting by XXXX to Transunion of my liability for a late payment from XX/XX/2019. I will simultaneously be reporting this to the XXXX and Transunion for further review. Grievance. 

1. I allege my ex-wife fraudulently processed a chargeback on prior payments made on my lease to XXXX. Upon learning this, XXXX indicated that their systems had me requesting the chargeback, to which I replied with the allegation. I further asked that they respond to the chargeback dispute inquiry with XXXX to affirm the payment was legitimate. They refused. I was unsuccessful in convincing my ex-wife to make the payments and so they were two months behind with no warning. 

2. When I began receiving calls from collections, I also offered to furnish evidence of the fraudulent chargeback. On XX/XX/XXXX, XXXX collections called me with indicating that if I didn't make a payment that day, there would be negative reporting on my credit because we were " at the 40-day mark. I went ahead and MADE A PAYMENT THAT SAME DAY, XX/XX/XXXX. Because I was told this payment would avoid negative reporting, I am here alleging erroneous late payment reporting by XXXX inconsistent with their own internal procedures and external communications to me. 

If they are exempt from disputing the chargeback, they most certainly should be held accountable for the communication regarding credit. There is more context to the situation that XXXX is aware of and avoided answering the substantive issues above in complaint XXXX. Simply reviewing the payment record without listening to the recording of the collections conversation misses this vital communication, even if claimed as agent error ex post facto. It costs you nothing, XXXX, to correct this error in your reporting. It most definitely costs you a customer if you refuse to correct the error. It shouldn't be my credit, in the meantime, that is the only thing impacted. There is an easy and just fix to this well within your power to redress. 

The software below is not processing attachments. XXXX has relevant payment history.
Product: Credit reporting or other personal consumer reports

15 U.S.C.1681 : governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). 

XXXX, Trans Union, and XXXX has violated my rights I don't need to wait 30-90 days to investigate I need them removed immediately! 
I also received information that my personel information and more from XXXX, Trans Union, and XXXX has been in a data breach and I need everything off my credit immediately!
Product: Checking or savings account

My account was cleared out by fraud and Key bank have not returned my money after 2 weeks. I am not responsible for this fraud yet they have charged me {$15.00} to replace my card. 
this is the second time in 2 months this has happened and I have been charged {$15.00} each time. The money from the first fraud was returned within 2 weeks.
Product: Credit reporting or other personal consumer reports

XXXX credit bureau keep reporting on my records without my consent is idenity theft.
Product: Credit reporting or other personal consumer reports

Midland credit management This company can not give my the accutal Payment sheet of all payment that I supposed to owe. 

Or verify the account with my personal information
Product: Mortgage

I keep my mortgage paid one year in advance, plus make additional principal payment each month, Without fail, when I make the payment, the entire amount gets credited as additional principal, despite the confirmation page from the company saying I made one monthly payment plus additional principal. It doesnt matter if I make payment through the US Mail, utilizing the online payment system, or calling and speaking directly to an agent, the entire amount is still applied as principal with no monthly payment. 
I then have to make numerous calls to customer service to try and get it corrected. One loan officer gave me her direct contact information, but she never answers her phone and does not return phone calls. Her voice message instructs one to contact her manager if immediate assistance is needed and gives his name/number. However, he does not answer his phone either. In fact, the voice message on his line is the same female voice of the original loan officer and not his at all. Sadly, they have stopped answering my calls at all, and as I said, no calls are ever returned. 
I purchased my home 11 yrs ago and Nationstar LLC d/b/a Mr. Cooper is the 5th loan server Ive had. There has been no problem with me maintaining my one year cushion until Mr. Cooper purchased the loan in XXXX. Immediately I began to have issues of payments not being applied correctly, and it has continued every month right up until the present date. Mr. Cooper told me it is because one can not pay more than 6 months of a mortgage in advance. I told them XXXX ... .as long as my is current and not in arrears, I can have any additional funds applied however I please. 
I am still fighting with the mortgage company trying to get them to apply funds as specified. Ive made enough payments so that my next payment should be due XX/XX/XXXX. However, the company has been misapplying the funds and after I got it straightened out, they decided to reverse the payments I recently made and re-credit them as principal only, thereby causing my next payment to be due 2 months earlier on XX/XX/XXXX. I DID NOT give permission for anyone to go into my account and convert funds from monthly payments to principal. They are systematically wiping out the financial cushion I prepared for myself. 
I dont understand why this is so difficult. I make one monthly payment with {$1000.00} additional principal each month. Instead of the simple transaction I requested, there will be 10 or more transactions listed as taking place on the same day.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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
Product: Checking or savings account

GreenState Credit Union - https : //www.greenstate.org/, advertises a XXXX XXXX monthly service fee checking account no asterisks, no fine print. 

On XX/XX/2024 - I logged into my account and noticed XXXX monthly {$7.00} service fees ( {$14.00} total ) for a dormant account. I promptly contacted greenstate over web chat and asked what the fees were for. I was told that they were fees due to no account usage for the past XXXX months. When I stated that their web site in multiple locates says that the account has no monthly service fees with the no asterisks, no fine print they claimed the fees were stated elsewhere. I asked for the checking account product disclosure that would have been sent and agreed upon by me, they were not able to reproduce a disclosure that was sent during account opening that detailed these fees. They pointed to a generic fee structure in a separate non product disclosure document that was not supplied during account opening as part of a product disclosure. I asked the agent to refund my fees and they would only authorize a single months of fees {$7.00}.

I am asking that GreenState Credit Union refund all dormant account fees, update their product disclosures that are presented during account opening to reflect such fees, and be barred from advertising a XXXX XXXX monthly fee no asterisks, no fine print on any marketing material including their website until such time any and all monthly fees are removed from their fee structure.
Product: Mortgage

In 2017 I was having trouble making my mortgage payments due to a job change - I was making less money than before. I was behind on payments and the company suggested loss mitigation. At the time my loan balance was {$110000.00}. My monthly payment was {$1000.00}. After several phone calls ( it is never easy to get ahold of anyone at this company ) I was able to complete the paperwork and submit it. When I got the " refinance '' back my payments were actually higher than before and they charged me approx {$5000.00} in fees so now my balance was {$120000.00}. I told them that the loss mitigation was not helpful at all but they said if I didn't do it I would be foreclosed on. I either had to come up with the past due balance ( which was now a few months behind ) or face foreclosure. I was never told at anytime that my payments would be more or that my balance would increase. I thought this was supposed to help me. Since then I've been struggling to keep up. They are never helpful or friendly to work with. It's difficult to see where my payments are being applied. They charge me for insurance when I already have my own and send out someone to inspect my house and charge me for it. However the person reports my house is abandoned. My partner was home when he came and he didn't knock or ring the doorbell and we had both cars in the driveway. Hardly abandoned! I'm tired of this mortgage company taking advantage of me. Surely what they are doing can't be legal.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violated federal law and my rights as a consumer.
Product: Debt collection

XXXX. On XX/XX/year>, I received notification of accounts placed in collection from Citibank XXXX. 
Exhibits A Exhibit XXXX XXXX quickly responded asking for a validation of the debt. 
Mailing address XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX email is XXXX Mobile Number is XXXX XXXX XXXX. 

XXXX. Between XX/XX/year> and XX/XX/year>, I sent weekly requests for validation of the accounts in dispute Exhibit A / B / F By email to XXXX XXXX XXXX, XXXX, XXXX Fax XXXX XXXX XXXX XXXX. The information that I had asked for outlined in Exhibits A / B /F to Validate the debt was not provided. 

XXXX. On XX/XX/year>, the account was recalled to Citibank XXXX. so they could investigate the claim. Exhibits C / D. 

XXXX. On and about XX/XX/year>, I called the XXXX XXXX XXXX XXXX PA and informed XXXX that I was no longer residing in Florida after XX/XX/year> and provided my new address at XXXX XXXX XXXX XXXX XXXX WA XXXX my email is XXXX and the mobile number would remain the same XXXX XXXX XXXX. 

XXXX. On XX/XX/year> XXXX XXXX PA filed a Civil action Filing # XXXX knowingly using an address where I no longer reside. 

XXXX. XXXX XXXX PA used deceptive and unlawful tactics to obtain a default judgment against me without my knowledge.
Product: Credit reporting, credit repair services, 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 1681. 

Account Name : 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 XXXXXXXX has violated my rights. Or list of inquiries 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Prepaid card

I signed up for unemployment and when I to an online account I found out that the reason I couldn't get my unemployment before because someone else was receiving my money. So I spoke with XXXX and was told to contact bank of America to get my missing money. I filed a claim with them on XX/XX/ 2023 for XXXX and then received three letters stating that they closed three claims on the XXXX and I didn't filed any of them so I called and they didn't tell me when they were filed or when and the claim I did filed was closed also. But I never received a letter for my claim I filed and was told it was closed the same day I filed and was not given an explanation as of why. They won't send me a card and I don't know why. They will not give me an answer as to why they did any of this. I tried to file for unemployment at the time but was just told I couldn't .And when I filed two months ago I found out that the reason I couldn't is because someone else and I don't know who was receiving my money but was never informed of that when trying to file. They closed my claim the same day I filed and I never was told why or got a letter. I don't understand why they closed my claim the same day I filed but I know for sure that I never received any of that money and who ever was stoped receiving it because they had no way to identify me. There no way they investigated my claim In a couple of hours. I was told by XXXX to file my claim but bank of America is not completed my claim without paying me my money or taken the proper way to complete my claim I want to do this the right way but the people in the claims department is making things difficult for me. I can talk to my lawyer to see if I can file a lawsuit against this bank. I read the injunction that was filed and I see that this bank is no following the rules of that injunction. I was never given an explanation, provisions credit, or my claim was never investigated at all. I swear that this statement is the truth and nothing but the truth so help me God.thank you.
Product: Checking or savings account

A lady in XXXX XXXX  had opened several bank accounts and credit cards in my name. It has affected my credit score and my eligibility for certain government programs. 
I have contacted the bank they said it was all cleared up. But l still have it showing to state of PA has statements of a bank account that doesn't exist. My name is XXXX XXXX Thank you for your time.
Product: Debt collection

I'm not familiar with is account. Did not receive any mail about this account or provide the opportunity to dispute the information. Please provide VALIDATION OF DEBT AND METHOD USE TO VALIDATE and Assignment of Debt. 

National Credit Adjusters # XXXX
Product: Money transfer, virtual currency, or money service

on XX/XX/10 I was scammed by an individual using XXXX through Wells Fargo. After fake emails/texts that were manipulated, we transferred {$300.00} to the scammer in order to complete the transactions ( which we were supposed to received {$300.00} ). Once I realized it was a scam and the money had been sent, I immediately tried to call XXXX to cancel the transaction but they said I had to go through Wells Fargo. So I immediately called WF and as explained the situation, of which they opened a claim. Keep in mind I still had the person on a text conversation and if someone would have looked into the email and phone number at that moment, at least this scammer could have been caught/flagged/punished. Instead since it was a verified transaction Wells Fargo won't do anything and XXXX wipes their hands free of these issues. So no insurance or protection for consumers. 

PS I have various screenshots to show interaction with scammer.
Product: Mortgage

I live in Mississippi and have a foreclosure sale date of XX/XX/2023. I want to reinstate the mortgage loan, but Flagstar Bank mortgage and their attorney, XXXX, XXXX, XXXX will not provide me the amount needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 I began repairing my credit while doing so I found many inaccurate accounts listed from XXXX XXXX. I contacted all three credit bureaus to dispute the items that were listed that had been sent to Receivable Solutions and Receivable Management, the item came back verified from XXXX  which I new was correct I then reached back out to XXXX XXXX to have them send me over proof that the items were mine which resulted in them finding that the accounts in fact did not belong to me. I contacted the collection agency to request that the items be removed and nothing has happened. I have also contacted XXXX  to have several disputes done and again nothing has been removed. I have been denied credit due to these situation and would like to have it corrected immediately.
Product: Checking or savings account

I deposited cash of {$5900.00} on XX/XX/23 and the money has not reflected on my account for over XXXX months. When I ask the bank customer service and bank branch they say they are not able locate the funds and gave me no reason to where my money went. I have tried them many times and have received to positive response. The money was deposited the financial institution that Bank of America at Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX shows an account on my credit file that does not belong to me by XXXXThis is not my account. Also, XXXX, Transunion, and XXXX didnt update my personal information on my credit report. I sent a letter beyond 30 days and the issue isnt resolved.