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

I was in the process of buying home. On XXXX XXXX received the wire instruction from fake Email. unfortunately XXXX $ wired the money from XXXX Bank. In the XXXX XXXX system recognized the routing number, account number and Bank address. after XXXX mins when I found out it was fraud called them and went there asked them to stop it but they said it went out of their system. They recalled the wire which I need to wait for 3 days. 

Although the XXXX XXXX called the city bank wire department, and I call the bank as well, no one was able to help and trace the wire transaction at Citi bank. 

I went to the destination bank which is CitiBank, NA. They said they can't help me because I am not their customer and the account number and routing number is not belong to them!! 
It is question that It means there is fake bank in the financial system that collect the people 's money?! 
Several times went and called to fraud department of Citi banks but they said they can't help more because is not in their system or I am not their customer. 
It seems destination bank doesn't have information and can't help. Where is the money? How this possible? This CitiBank NA. doesn't have any legit phone or address! Can they proof the account opened with real/legit documents not fake? They investigation proved the opposite and there is possibility to be Bank 's employee! Can banks open account and fraud the money? why they don't respond or return the money when the XXXX XXXX  requested? This is crime
Product: Student loan

In XXXX of 2018 Navient agreed to a rate reduction program. Come to find out it was " processed incorrectly '' Went thru the footwork again in XXXX of 2018 for the rate reduction program. Have since received numerous notices about delinquencies while they were automatically withdrawing payments from the checking account. Each time customer service was called, no one knew anything about the rate reduction program. Part of the rate reduction program says it would take effect after 3 consecutive payments. Because the program wasn't processed correctly originally, the first payment didn't count. They did an automatic withdrawal for XXXX and XX/XX/2018. They did not automatically withdraw XXXX 's payment and then came looking for payment as if to purposely force a default on the loan, so they wouldn't have to keep up their end of the deal. They have also put thru a forbearance, that was never asked for or applied for, and have not reduced the rates as promised. Every phone correspondence I have gotten the runaround and harrassed about paying more money. Every agent I have spoken with says " Well I don't know what the last person said or did, so I can't help you. '' The loan has continued to accrue late fees eve though I have kept up with my end of the agreement. I believe I have been misled, lied to, and taken advantage of.
Product: Mortgage

My loan was transferred to a new mortgage servicer ( Planet Home Lending ). I had to get my property taxes revised in XX/XX/XXXX and sent the updated tax bill to my previous lender. In XXXX, the loan was transferred to PHL. I called PHL on XX/XX/XXXX and asked if my property taxes had been paid and if they got the updated tax bill from my previous lender. I was told the taxes were paid and they had gotten the bill. I received an escrow analysis letter in early XXXX and the analysis was based on the incorrect property tax amount and it showed my property taxes had not been paid. I have called XXXX times since the beginning of XXXX and have been told multiple times that they were still working on my requests to have the taxes paid through my escrow balance. I was told on XX/XX/XXXX that my request had been escalated and to call back XX/XX/XXXX for an update. I checked my account and my taxes have not been paid. Im not sure what is the difficulty or the delay, but the longer they wait, the higher the penalties will be and I am NOT paying any penalties because PHL failed to pay the taxes in a timely fashion.
Product: Debt collection

I am currently in default ( missed 2 payments ) with mortgage company ( Flag Star Bank-Mortgage ). I am being harassed, discriminated again and violation of mortgage contract. The property has been up for sale since XX/XX/XXXX and Flag Star was advised of this. The property is still on sale and has a sale sign out front on the lawn. On XX/XX/XXXX, I came home to a note on my door by XXXX XXXX ( a property preservation company hired by Flag Star ). The note stated they were informed that the property was vacate and will be sealed or winterize if no contact is made within 3 days. I called XXXX XXXX and was advised that I needed to contact the Bank. I contacted the bank and advise them that I still reside in the property and that it is currently for sale. They advised me that, because I am default, I will still receive phone calls, mailings and visits but they will document that the property is up for sale. On XX/XX/XXXX. I was advised by my next door neighbor ( I was at work ), that there was a truck in my drive way and was I expecting anyone. I told her no. She stated she will see what's going on as the truck and 2 men did not have any company logo on but she seen them walking around my house. When my neighbor went outside and looked, she didnt see the men. She than ring the door bell and 1 male answered. She advise them that my neighbor lives here and did not authorize anyone in her home. The male stated the bank told them to come here but since someone is occupying the property that they were leaving, they don't want to be involved. I called the police and advised them of the matter. The police advise me that it was a civil matter. However, they contacted the company regarding the matter. I also contacted the bank and advise them of the situation. The rep told me no one was supposed to go into the property but that I will continue to have visits, mailings and phone calls because of the default. XXXX, also contacted me and stated they have documented that I called XX/XX/XXXX. However, the bank never contacted them confirming that I occupy the property. They also stated they took pictures of my home and that it " looked nice ''. When I came home that evening, lights were left on, cabinet doors left opened and I still do not know how the 2 men from XXXX entered my home ( w/o my authorization ). I am in fear that I will continue to be harassed and that one day I may come home and the property is seized w/o proper authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sterling background checks also known as Sterling Check XXXX Requested official US gov documents namely DD214 to be attached to their portal as a supporting document. Requested from candidates that possess a security clearance in screening process sensitive information and documents such as social security numbers, DD214, W2s, IRS tax returns. When doing so were told by Sterling Background Check employee that the Acting Director of the Department of Defense named XXXX XXXX requested this information. The employee nor the company could tell the candidate/consumer where or how their documents would be stored or how their personal data would be used. The employee also gave false information regarding the method of retrieval of such information. The company is using a foreign call center to process this data and US citizens sensitive data and transmission of gov documents that may or may not contain sensitive personal information protected by the US Gov. As part of such checks Sterling is also collecting personal health information that must be protected under HIPPA. I was also told that the XXXX XXXX XXXX XXXX  does not do business with Sterling Background checks for which they claim they were contracted to conduct business. Inaccurate reporting by Sterling Background checks may cause significant delay in employment start date and or a risk to employees loss of employment. I have retained correspondence with Sterling Checks and have CC Dept of Homeland Security, CISA, and the Department of Defense.
Product: Credit card or prepaid card

I purchased a patio set in XXXX of 2023. I was not happy with the quality of the furniture and returned it to Wayfair via the return instructions I was given by them. The total amount paid was XXXX plus the insurance on the purchase. I spoke to " XXXX '' from Wayfair, on XX/XX/2023, who advised me I was to send it back via XXXX XXXX  and I would be reimbursed for the full amount to include the purchase plus the insurance that I paid. 

I then received a billing statement in XXXX stating that owed that money and I had already sent the entire purchase back to them and provided them with the tracking information, which is Tracking Number XXXX, delivered on XX/XX/2023 and signed for by Wayfair. I called them again and they confirmed the receipt of the merchandise that I should not have been charged, that they would fix it, and that it would show up as a {$0.00} balance on my next statement. The confirmation number I was given for that conversation was XXXX and I spoke with " XXXX ''. 

I have now received my XXXX statement stating that my balance is now overdue, and I could be reported to a credit agency. I have attempted to rectify this situation with Wayfair multiple times with multiple employees and I have been unsuccessful. I am now being charged for merchandise I sent back according to their instructions, merchandise they confirmed receiving in new condition for which I have a XXXX  XXXX XXXX number and proof of signature of receipt. I am now being threatened with credit agency reporting.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

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

15 USC 16816 and 604 A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 C ( 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 7 years.

15 USC 1681 S-2A1 a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Banco Popular, XXXX XXXX Puerto Rico, mortgage acct # XXXX, provided an incorrect " annual escrow account disclosure. '' Illegally added and made payments for excess insurance, when proof was provided that personal insurance was previously made and We never requested that insurance be escrow. This error was brought to the attention of Mortgage servicing and they have yet to refund erroneous payments or provide a corrected " Annual Escrow Account Disclosure. '' The answer provided by XXXX XXXX was that I had to wait until XX/XX/22 for an answer.
Product: Checking or savings account

I tried to cash a check for {$5500.00} and they told me the check was for to much money. The first time I tried they told me the check wasn't wrote out properly, so I sent the check back to the owner of the account and they rewrote the check, now the bank says it's for to much money.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I made a payment arrangement to get my credit back in good standing with capital one, on a chat with an agent named XXXX XXXX, we created a payment plan and expectation that they would start reporting my payments if they were made on time per the arrangement, my first payment I made was that day XX/XX/XXXX of XXXX $ my second one was due the XX/XX/XXXX in the  amount of XXXX $ and the next was XX/XX/XXXX XXXX  $ - I made the second payment thinking it was the XXXX $ and realized I needed to make more of a payment so I tried to add money, they wouldn't accept it, so I called and spoke to several people about why they wont accept MORE money, after having to hang up on one person and calling back I finally got someone who deleted the first payment then took the correct amount, I then paid XXXX $ XX/XX/XXXX to get my account back in complete good standing. With all this being said I did all this to get my credit back in good standing so they were to report it, because I was moving and needed to get a credit check, I then find out XX/XX/XXXX that they reported me as not making a payment in XX/XX/XXXX and haven't reported ANY of my current payments - I called them and spoke to several people who said they have to follow the fair credit reporting standards etc etc however the agent I spoke to, XX/XX/XXXX said they dont have to report me as making payments and positive until I am in good standing, but yet that doesn't seem correct because I have made payments and you are reporting me as XX/XX/XXXX NOT making a payment then XX/XX/XXXX and XX/XX/XXXX you have no payments at all reflected, I can understand XX/XX/XXXX but NOT XX/XX/XXXX and XX/XX/XXXX. They won't fix my score until after my next billing cycle she said. So now I am unable to move because my credit is showing this and also they are violating my rights as a consumer - I am looking into legal action in small claims against them for this inaccuracy and the issues it is causing currently.
Product: Debt collection

I have addresses tied to my credit report that l 've never live in my life. XXXX account is from XXXX XXXX XXXX as well as Accounts receivable man ; Those accounts opened at a time when I was incarcerated. According to the FCRA inaccurate information mist be removed. Currently I am awaiting compensation from the XXXX data breach that took place during the pandemic my personal information was exposed. Also, there are accounts on my profile that has been sold to debt XXXX during my incarceration and by law I never received a debt validation letter. Also, l 've sent in multiple dispute letters and also identity fraud accusations with an open dispute with identitytheft.gov.
Product: Credit reporting

I have disputed with Experian before and they have reinserted an account that is not mine. XXXX XXXX XXXX was removed in XX/XX/XXXX and was reinserted back on my report on XX/XX/XXXX this is not lawful to me as a consumer this must be deleted.
Product: Credit reporting or other personal consumer reports

This letter is a formal complaint that you are reporting failing to comply to 15 USC 1692 ( g ) inaccurate and incomplete credit information.

I disputed these inaccurate items over 30 days ago and your agency failed to notate that it was disputed which makes your agency in violation of 15 USC 1681s-2 ( 3 ) 1.FDCPA Sec 807 Misleading False Reporting. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. FDCPA Sec 807 Misleading False Reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity thef Account name : XXXX  Account Number : XXXX Please investigate and delete from my credit report. 


XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity thef Account name XXXX  Account Number : XXXX Please investigate and delete from my credit report.
Product: Credit reporting or other personal consumer reports

There are multiple instances of noncompliance with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I refute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

( Original Creditor : XXXX XXXX XXXX ) XXXX Collection {$0.00} XXXX XXXX Collection {$0.00} XXXX  XXXX Collection {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX Repossessions {$3900.00}
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I noticed that a U.S. Bankruptcy Court item is listed on my credit reports. Under the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

In this case, the original creditor is the U.S. Bankruptcy Courts. I have received a letter from the Bankruptcy Court stating that they do NOT provide information to credit reporting agencies, nor do they validate or confirm public records. Additionally, XXXX has provided documentation that it could not validate this public record information. 

The responsibility for collecting and validating public records falls on credit reporting agencies or their third-party providers. Public record information is NEVER validated by the Recorder of Deeds or the U.S. Court system due to the Fair Credit Reporting Act Privacy Law.

As a result, the reporting of this bankruptcy on my credit file violates multiple federal laws, including : 15 USC 1681a ( e ) : Prohibits the inclusion of unvalidated public record entries.

15 USC 1681b ( a ) ( 2 ) : Prohibits furnishing information without the consumers consent.

15 USC 1681c ( a ) : Excludes bankruptcy information from a consumer 's report.

Your failure to validate this information is a violation of these laws. The continued reporting of this bankruptcy is causing me great harm, including preventing me from obtaining credit to support and sustain my family.
Product: Credit card or prepaid card

Wayfair closed my account without even notifying me and it made my credit score drop!!! The creditors are intentionally trying to keep me in subprime loans at high uncapped interest rates and have been for thirty years!! I work for the government! I know my balance is high but I pay my payments timely!! They are just mad because I have deferred interest and they are not making a huge profit off me as I am not paying off the balance and purchasing more and more! I only buy what I must to get by as a twice widowed mother that is all I can afford! I already disputed with XXXX and they did nothing less than a week letter sent me notice it was accurate!! Shut these crooks down they are working together to ruin everyones credit so that they have to pay unregulated usury interest rates!!!
Product: Credit reporting or other personal consumer reports

Transunion is falsely reporting a past due debt when it is paid off and not past due.
Product: Credit reporting

I am a victim of identity theft and someone stole and used my personal information to open a fraudulent and unauthorized XXXX checking and savings account : XXXX, that do n't belong to me. I have never had or opened a XXXX checking account. I have attached a police report and other documents to this complaint.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Account Number : XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX  According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.
Product: Credit card or prepaid card

HSBC BANK USA N.A. CUSTOMER CORRESPONDENCE XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CHARGE ON CREDIT CARD FOR {$24.00}. WAS AN CHARGE I DID NOT MAKE. IT WAS A PURCHASE THAT WAS MADE FRADULENTLY. LAST 4 OF CARD NUMBER WAS XXXX. THE CHARGE WAS NOT MADE BY ME. I CALLED THE COMPANY AND ADVISED AND THEY CANCELLED THE CARD AND ISSUED A NEW CARD. I DISPUTED THIS AND THEN THE COMPANY CAME BACK AND SAID I STILL HAVE TO PAY IT. EVEN THOUGH IT WAS FRAUDULENT. THE COMPANY GOT BACK TO ME ON XX/XX/2021 AGAIN THIS CHARGE WAS NOT MADE BY ME.