23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Money transfer, virtual currency, or money service

I tried to register With XXXX They said that my mobile telephone number is already registered to an account. I asked them to close that account. They require that I provide them with the email address used to open the account. I have no idea. I control the telephone number and I want it used exclusively for my personal account.
Product: Mortgage

Ocwen Mortgage is reporting negative information on a discharged account. They removed all information on account XXXX for me and my wife ( XXXX XXXX XXXX ). However, they did not remove information regarding account number XXXX. They admit that they do n't have records for the accounts in a previous dipute. 

Ocwen was not then lender at any point in time. They were the loan servicer after GMAC Mortgage. Ocwen serviced the loan from XXXX XXXX, 2013 to XXXX 2013 when servicing was transferred to XXXX XXXX XXXX. 
Ocwen should remove any and all references this account as well.
Product: Mortgage

Wells Fargo, Home preservation ; To XXXX XXXX, and XXXX XXXX and XXXX XXXX ( XXXX ) XXXX ( XXXX ) Fax : XXXX XXXX XXXX at XXXX extension XXXX To home it may concern at Wells Fargo , this is from XXXX XXXX Address is XXXX XXXX XXXX XXXX PA XXXX XXXX Partial account number is XXXX As I stated in my phone confirmation, I have done all that was asked of me and still being ignored in reference to my concern and request. The stress level concerning this matter continue to rise and affect my health. Know you tell me after I have proved your finding and your praises findings to be incorrect, You now want me to jump through more hoops to be able to get this matter corrected. When all it would take is to have your appraiser to go back and redo the appraisal the correct way, knowing full well that once he does this that the value of this property will not be as it was when done with the incorrect square footage. I am trying to work alongside of you to get this matter taken care of so that we all can move forward in this situation, But I guess you are choosing to drag it out so that you could move further along in the foreclosure process before you make another decision and have the necessary documents to be able to just force me out. 
This situation has caused me great level of stress which has also affected my health and my capability to be able to live a normal life.
Product: Debt collection

I recently cashed alive check from XXXX XXXX in XXXXXXXX XXXX. Unfortunately not long after I contracted XXXX twice along with other members of my family. A reason I explained to an employee from the company. After repeated calls to references I never gave to said company or gave them permission to contact, I decided to submit a Cease and Desist letter to said company. I also informed the company that although currently I was trying to reestablish myself financially, I couldnt at the moment with them. But I would contact them as soon as I had sufficient funds to make a payment. In turn the employee said they couldnt wait for me and that a cease and desist letter wouldnt prevent them from further contact. I still receive calls from them daily and I dont know why to do anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX / XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, and XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone obtained my social security information along with my date of birth and opened up the following credit cards and financial accounts : XXXX XXXX XXXX - {$4100.00} XXXX  XXXX XXXX - {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$370.00} XXXX XXXX  ( Both accounts )
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX  XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

I deposited a client check in the amount of {$10000.00} and funds were transferred from XXXX XXXX  to Wells Fargo on XX/XX/XXXX. Wells Fargo has put a hold on the funds until XX/XX/XXXX. They have given me a range of excuses such as there were not sufficient funds in the payees account to a suspicious signature. I have asked Wells Fargo to contact the XXXX XXXX   employee that handles the account and XXXX XXXX continues to refuse to release the funds to my account. This appears to be yet another Wells Fargo scam. They are holding my funds and earning interest from XX/XX/XXXX to XX/XX/XXXX. I have full documentation.
Product: Credit card or prepaid card

on XX/XX/XXXX, I rented a vehicle from XXXX  XXXX  XXXX  in XXXX, CA. I PAID FOR THE rental in advance with my XXXX XXXX XXXX XXXX XXXX XXXX and was charged {$86.00} for the daily rental. when i arrived to pick up the vehicle they asked my for a credit card for the {$200.00} deposit at which i presented my capital one card for that. when i dropped the vehicle off i took pictured of how clean the vehicle was. XXXX has negligently been charging my credit card that only has a {$200.00} limit days and days after the rental, the first few time XXXX somehting in which capital one asked me about and I said i was not aware this. I eventually was charged XXXX i guess the vehicle i rented was out for repossession? anyways i disputed the charge and Capital one said they could nothing about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Complaint Against XXXX XXXX for Failing to Adhere to FCRA Requirements Dear Sir/Madam, I am writing to file a formal complaint against XXXX XXXX  regarding their failure to adhere to the requirements outlined in the Fair Credit Reporting Act ( FCRA ). XXXX XXXX has inaccurately reported a debt from a non-existent creditor, Synchrony Bank, which is causing significant harm to my credit profile. Despite my repeated attempts to rectify this issue, XXXX XXXX continues to report this erroneous information, claiming that I have a XXXX XXXX XXXX with Synchrony Bank, when in fact, my credit card is with XXXX XXXX. This continued inaccurate reporting constitutes a violation of the FCRA. 

Under the FCRA, debt collectors are obligated to report 100 percent accurate information, including the names of the creditors, on credit reports. XXXX XXXX failure to adhere to this requirement is evident in their reporting of a non-existent debt with Synchrony Bank, thereby damaging my creditworthiness and causing unwarranted distress. I have clearly communicated to XXXX XXXX that this information is inaccurate and have requested a dispute, yet they persist in mailing me statements from XXXX XXXX, which confirms the fraudulent information being reported. 

The FCRA was enacted to protect consumers like myself from such inaccurate reporting by debt XXXX. It is imperative that XXXX XXXX rectifies this violation promptly and removes the false debt associated with Synchrony Bank from my credit report. Their continued disregard for the FCRA provisions is causing me significant financial and emotional distress. 

I kindly request the Consumer Financial Protection Bureaus intervention in this matter to ensure that XXXX XXXX is held accountable for their violations of the FCRA. I ask that you thoroughly investigate this issue and take appropriate actions to rectify the inaccurate reporting, including the removal of the negative information from my credit report. 

Thank you for your attention to this matter. I trust in the Consumer Financial Protection Bureaus commitment to protecting consumer rights and ensuring fair practices in the financial industry. I look forward to a prompt resolution of this issue. 

Sincerely, [ Your Name ]
Product: Checking or savings account

Financial Institution Involved : M & T Bank Transaction Type : Direct payment between M & T Bank accounts Checking ( DDA ) / Savings ( TDA ) and Auto Loan Payment Due Date : XXXX of every month Reason for complaint : Unnecessary hold by M & T Bank on payment from one internal account to another, thus fostering situations where I was debited twice for the same amount. This bank procedure potentially places customers in jeopardy of unnecessary fees and/or other essential outgoing debits being returned. 

I had forgotten that I had signed up for automatic billing on my Auto Loan account when it was initiated. I have a continuous pattern of making a manual payment from my M & T Bank DDA/TDA to my M & T Bank Auto Loan, often several days before the payment due date with no evidence of duplicate debits. Due to the Covid-19 pandemic and its related financial difficulties, it has become even more necessary for myself to manually monitor my account and manually control debits. 

There are two instances that I have identified where M & T Bank unexpectedly debited my account a second time for the same amount, despite my prior payment. Both of my payments were initiated the day before the due date. 

Example 1 : XX/XX/XXXX : Manual payment of {$300.00} was made to Auto Loan from DDA/TDA  with payment posting same day ; XX/XX/XXXX : Duplicate payment auto debited by M & T Bank from my DDA ( despite payment the day before ) and posted on XX/XX/XXXX -I didn't contact M & T Bank because I thought that I had mistakenly paid the account twice. 

Example 2 : XX/XX/XXXX : Manual payment of {$300.00} made by self to Auto Loan and posted XX/XX/XXXX ; XX/XX/XXXX : Duplicate payment auto debited by M & T Bank from my DDA ( despite payment the day before ) and posted on XX/XX/XXXX -I contacted the bank recently after seeing a discrepancy in my bank transfers which only showed my manual payments to the Auto Loan and not the Auto debits made by M & T Bank . I was advised that although funds are debited the same day that a manual payment is made, they are essentially held by the bank before later posting to the account. I advised M & T Bank that this shouldn't occur since the funds were originating from an internal M & T Bank and not from an external financial institution ( it would be understandable if M & T Bank needed to verify funds or similar from external source, thus placing a hold ). In addition, my account at the time didn't have an uncollected balance or other issues which would have possibly affected my payment, nor do I have any history involving returned payments on any of my M & T Bank loan accounts. Nevertheless, I was advised that this was their procedure. 

The M & T Bank representative I spoke with advised that I could dispute my most recent payment, but made it clear that there was no recourse for the prior duplicate payments. I made a payment on XX/XX/XXXX, which could have resulted in another duplicate payment had there not been a one the month before, thus resulting in my next payment being due now in XX/XX/XXXX. 

I am waiting for a response from M & T Bank, in what form it will be, I do not know.
Product: Debt collection

XXXX XXXX XX/XX/2016 {$1500.00} This account is an result of identity theft please investigate. I have reached out to this company several times and has gotten the run around.This account has caused me financial devastation
Product: Bank account or service

I tried to set up an estate banking account at Wells Fargo bank. I was told by the Store Manager - XXXX XXXX - that I can not have that type of bank account, I need to set up a checking account linked to a savings account. I objected but she would not budge. Also, the Short Certificate ( I am the Executor ), had my married name, but the Will had my maiden name. Wells Fargo legal accepted the documents, but the Store Manager demanded that I bring in a copy of my marriage certificate or else she would close the account. I opened the account with XXXX checks - XXXX of which was a certified bank check from XXXX. She told me that it would take 8 days for the checks to clear. In addition, she looked into other unrelated accounts I had with Wells Fargo and suggested that I do something else with those accounts. I objected to her inspection, yet she continued on about that account and kept asking me to look at other banking arrangements for that account. I explained very clearly to her that I was there to set up a checking account only for the estate of my mother, but she did not listen. She took my checks and told me that the funds would be available 8 days later ; however I needed to provide to her a copy of my marriage cetificate ( she wanted it, not legal ) or else she would close the account. I waited five days and decided to close the account out today, but she refused to close the account and began to instruct me on how I should be doing my banking. I am very insulted by her lack of people skills ... her inspection into unrelated accounts ... her insulting my intelligence, especially at this most difficult time. Plus, when I went to close the account, she threatened to call law enforcement because I was becoming upset at her insulting nature. I am concerned that the money for the estate is being held up due to this person 's views on banking and the possibility that my concerns were dismissed because of my ethnicity.
Product: Mortgage

My concern involves how my escrow account is being handled by Rushmore Loan Management Services. My property 's flood zone was updated by FEMA which no longer required me to carry flood insurance. I cancelled my policy with my insurance company in XX/XX/XXXX and contacted Rushmore to remove the flood insurance policy from my escrow account. I mailed in the cancellation documentation at Rushmore 's request. They confirmed receipt of this documentation and a customer service rep told that they would remove the flood insurance from my account and when an escrow analysis was done at the end of the year, my payment would be updated and I would be refunded for the funds that had been escrowed for my flood insurance. Instead, when the escrow analysis was done inXX/XX/XXXX, flood  insurance was not removed and an account disbursement was noted for payment of flood insurance that was never billed. A customer service rep confirmed for me that funds were taken out of my escrow account to pay flood insurance but would not tell me where the funds went since there was no flood insurance bill to pay to the insurance company. I was told it would take 30 days for the funds to return to my account and then they could consider doing an escrow analysis to update the escrow account, refund me for overages paid and adjust my monthly payment. Upon further review of my incorrect escrow analysis, I grew more concerned when I noticed that myXX/XX/XXXX payment to my escrow account was not accounted for on the analysis. It seems that instead of reconciling my account and investigating why flood insurance was still a line item on my account, Rushmore conducted fraudulent activities to justify carrying and collecting an illegal surplus of escrow funds.
Product: Debt collection

I am filing a complaint regarding a collection account for {$59.00} that was previously removed from my credit report but has reappeared without notice or validation. I believe this is a violation of the Fair Credit Reporting Act ( FCRA ).

This account was removed after I previously disputed it and provided documentation demonstrating its invalidity. However, it has now reappeared on my credit report with no explanation. I was not contacted by the collection agency or credit bureau about this debt being re-validated, and I have received no legitimate communication regarding its reappearance.

I only received a single suspicious email from an unknown source regarding this debt, but no formal notification or documentation. This raises concerns about the legitimacy of the collection and the re-reporting process.

I am requesting : 1. An investigation into how this debt was reintroduced to my credit report.

2. Proof of validation or revalidation of the debt by the collection agency.

3. The removal of this debt from my credit report if proper validation can not be provided.

I have attached supporting documentation, including previous credit reports showing the accounts removal and the current report showing its reappearance.
Product: Credit card or prepaid card

In XXXX XXXX three friends and I found an apartment unit in downtown XXXX on XXXX to rent for {$430.00} from XX/XX/XXXX to XX/XX/XXXX for our spring break trip to XXXX. The photos and reviews of the apartment seemed nice, so I booked the unit with my XXXX credit card XXXX on XX/XX/XXXX through XXXX website. However, when my friends and I arrived, we discovered that the apartment was not as advertised, and soon realized that most of the photos and reviews were fake. The windows were broken, the bathroom was in utter disarray, the bed and floor was dirty, the unit did not fit four people as described, and there was trash and XXXX all over the place. The host had billed an additional {$300.00} deposit " refundable only if we stay '' from my XXXX credit card, which was not brought to our attention before we rented the unit, so we had no choice but to stay at that dilapidated unit. After the second night, I found multiple rats had infested our unit and took photos. They chewed through our food, chewed through our electronics, and left dung all over the already dirty floor. We decided to move out early, and I had to do basically all the cleaning even though the host had charged me over {$120.00} in " cleaning fees. '' I confronted the host about all this, and the host even refused to refund me any portion of the {$430.00} stay! I immediately tried to escalate with XXXX customer service and file a chargeback through my bank, Navy Federal, in the weeks after the stay but the dispute was denied. This XXXX unit was an utter scam for {$430.00} and tarnished the reputation of XXXX in my eyes ; I could've found many 4 star hotels in XXXX that are cleaner and nicer than this XXXX. If this is the quality of units and hosts that are on XXXX, then please, I do not want to ever use XXXX again.
Product: Credit reporting or other personal consumer reports

Access of credit report with unknown tradelines and inquiries.
Product: Debt collection

IQ Data International Inc has opened an account using my information to report misleading and inaccurate information on my credit report. I have never entered into any contract or signed any documents or made any agreement with this collections agency. They have no right to furnish any information on my credit report. I never gave them any permission. Also, I sent a debt validation letter to them and they have not sent a valid response. They should be shut down! They are taking advantage of XXXX VETERANS like myself. They are adding stress to my life and making it impossible for me to obtain credit. Please remove this account from all 3 credit bureaus, XXXX XXXX and XXXX
Product: Mortgage

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. 
Sarma - mortgage dep has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I'VE BEEN A VICTIM OF IDENTITY THEFT. I WAS A VICTIM FROM THE EQUIFAX DATA BREACH IN 2017, AND BY SOMEONE WHO USED MY INFORMATION TO OPEN FRAUDULENT ACCOUNTS. SHE HAD MY INFORMATION BECAUSE SHE USED TO DO MY CREDIT REPAIR. ALTHOUGH I PREVIOUSLY PAID ON THESE ACCOUNTS TO GET THEM REMOVED, I NEED THEM CLOSED AND REMOVED FROM MY CREDIT REPORTS EXPEDITIOUSLY.
Product: Money transfer, virtual currency, or money service

On in XX/XX/year>, I sent a Zelle transfer of money that was sent to a friend for a dinner we went to. Her phone number was one digit of so the money was sent to the wrong person and when I asked Zelle to cancel the transaction and send it back they said there was nothing they could do. It had only been a few minutes since the transaction had been sent so I lost the XXXX dollars that I sent to my friend.