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

On XXXX/XXXX/XXXX at XXXX, I bought a {$140.00} Money order from XXXX, in XXXX, OK . I mailed this money order to my daughter who has XXXX XXXX XXXX.by US Postal mail. It was lost and my daughter never received it. I filed a lost mail with US postal service and submitted the necessary information and a {$15.00} fee required by Western Union to be reimbursed on XX/XX/XXXX via XXXX, submitted to WU a {$15.00}, m/o number XXXX payable to WU ( fee required ) along with a copy of receipt from store dated XX/XX/XXXX, with time of purchase of XXXX and lost m/o number XXXX. Western Union original case number XXXX was given to me. I called Western Union XX/XX/XXXX to see why I had not received my m/o refund and was told it would be expedited within 72 hrs.and I should receive my refund within 10 days. Western Union gave me a new claim number on XX/XX/XXXX of XXXX on this date. I was told the m/o had not been cashed as of this date. I have not received my {$140.00} dollar refund and was told last week that I would not be reimbursed. WU has beat me out of {$140.00} plus {$15.00} fee to reimburse me of my money. Thank you for helping me.
Product: Credit reporting, credit repair services, or other personal consumer reports

mr cooper is reporting the days incorrectly it should be 30 60 90 120 but they have it wrong 60 60 60 60 60 90 can they explain this heres their payment records which look up to date to me no late i have included payments from their website i see no descrpcies for dates listed
Product: Credit reporting

TransUnion refused to process the disputes that I initiated. They said they would not reinvestigate the disputes even though I asked a totally different question about a totally different aspect of the accounts. They also claim that my bankruptcy was verified by the courts. According to XXXX XXXX the Deputy Clerk In Charge of the XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX, XXXX, OH " The XXXX Bankruptcy XXXX does not report the information to the credit bureaus. '' The bureaus came back calling the info verified by the courts which is false. I demanded that these items all be removed due to not being verified as required under the law but the bureau refused. 

The company claims the information is accurate. They NEVER contacted the creditor listed ( the XXXX Bankruptcy XXXX ) to get required verification and validation. I have again attached the letter FROM the XXXX Bankruptcy XXXX showing that they do NOT report. If the bureau did what they just falsified in the response to you, there would have been no response and the item would be deleted due to being unverified by the original creditor. Instead, the bureau went to XXXX knows what other source to obtain information for them to deem verified - in DIRECT violation of the FCRA. I demand that this item be deleted and that any sanctions that the bureau has coming to them be imposed for not only failing to comply with a direct dispute but also in providing a false response and false accounting of the bureau 's actions to the CFPB. Thank you for your assistance in regards to this matter. 

TransUnion also failed to respond to the CFPB 's final dispute of their response and nothing was done about it.
Product: Debt collection

I had a {$210.00} debt placed with XXXX XXXX XXXX in XXXX XXXX, original creditor was XXXX. This debt was paid if full in early/mid XXXX. The agency continues to report monthly to XXXX. Although the reporting reflects the {$0.00} balance, there is no reason to the monthly updates to my credit report.
Product: Mortgage

Bank of America set a notice to our home in Florida on XXXX XX/XX/XXXX that we were required to provide proof of insurance. Due to COVID-19, we were not at our home and a second notice was sent on XXXX XX/XX/XXXX. Bank of America made no attempt to reach out to the insurance agent on file or reach out to us via email ( on file ) or by posting a message to our online banking account. Both XXXX XXXX  and XXXX XXXX letters referenced that the coverage period in question was XXXX to XXXX XX/XX/XXXX ( the previous year 's insurance which was already on file - policy covers XXXX XX/XX/XXXX to XXXX XX/XX/XXXX. New policy in effect covers XXXX XX/XX/XXXX to XXXX XX/XX/XXXX ). 
On XXXX XX/XX/XXXX, Bank of America issued another letter that we had 60 days to provide proof of insurance and the new dates of concern were XXXX XX/XX/XXXX through XXXX XX/XX/XXXX. Our insurance agent was contacted and a request for the declaration page was addressed. On XXXX XXXX, I uploaded to Ihaveinsurance.com/BankofAmerica per the notices we received. I confirmed on XXXX XXXX that the new policy was available to view. The previous year 's policy was already there which covered the XXXX XX/XX/XXXX to XXXX XX/XX/XXXX period. We provided the XXXX XX/XX/XXXX to XXXX XX/XX/XXXX insurance declaration page. Our policy will be renewed next XXXX so there is no reason to require insurance from XXXX XX/XX/XXXX to XXXX XX/XX/XXXX as those dates will be included in the following year 's policy. I was able to confirm that the current policy was available to view on the online XXXX XXXX XXXX portal. I then received a copy of the lender placed insurance dated XXXX XXXX through XXXX XX/XX/XXXX and the cost was added to an escrow account on my mortgage for {$8000.00}. I have attempted to resolved this with numerous phone calls to Bank of America who then must go to the underwriter. I spoke to XXXX on XXXX XXXX and he sent it back to the underwriter for a response within 10 days. On or about XXXX XXXX I spoke to a very helpful customer service rep who spoke to the underwriter and assured me this would be corrected within 10 business days. On or about XXXX XXXX I spoke to a customer service rep who could see the previous details but was not able to provide assistance as it was now in the hands of the underwriter. The have repeatedly said for over 2 months that they are reviewing the policies. Our monthly mortgage has been increased to cover for lender placed insurance. This property now has two effective insurance policies in place for the same property covering the same time periods. We can not figure out how the dates of XXXX XXXX have come into place as none of our current policies have an expiration date of XXXX XXXX. Bank of America has made no attempt to correct their error. We have been account holders for over 20 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. My address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX MN XXXX. 

I have contacted the companies to get this corrected and they refused to update my information to the correct information the other information I do not know where it came from as it isn't familiar to me. This information below is incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XXXX  XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX
Product: Checking or savings account

Ive had a Citizens savings account since XX/XX/XXXX ( it was known as Citizens Access then ), with no problems. Between XX/XX/XXXX and XX/XX/XXXX I made three Mobile Check Deposits of {$100000.00} each. By XX/XX/XXXX those three checks had cleared, leaving me with a balance of {$300000.00}. On XX/XX/XXXX I transferred {$20000.00} to another bank, and on XX/XX/XXXX I transferred another {$75000.00}, with no problems. 

On XX/XX/XXXX I attempted another transfer, but received an email on XX/XX/XXXX that the transfer had not been processed. On XX/XX/XXXX a notice appeared in my online account that the account had been frozen. 

On XX/XX/XXXX, and every week since then ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) I called their help line ( XXXX ) or use their website chat with us feature to ask about the status of this account freeze. On the first contact they said there was something about checks having been deposited to trust which were not in my name. On that first contact, and every call, they would not give me any timeline on when the issue would be resolved, who else I could talk to about it, or any other phone number, email, or mail address to contact. That first call was the only time they had any details at all ( about the trust name ), every other call they would only say that Id be contact when the investigation was complete. 

The account has remained frozen for a month now with no information about when that might change, what is the status of the freeze, or who I can contact about it. 

Only that first phone call provided any information about the problem, which I can see is a real problem, but theres no opportunity for me to do anything to resolve it!!!
Product: Mortgage

I'm in the process of refinancing my home with a company other than wells fargo but I can not get wells fargo to stop the automatic payment so that the company I'm refinancing with can pay off the loan with wells fargo. There is no option on their webpage to stop scheduled payments and I've spent the past 24 hours attempting to cancel the auto pay. I have spent hours searching the internet and reviewing wells fargo 's website for instructions on how to stop a scheduled payment, however I am not seeing the option to edit or delete a payment on my dashboard which all of Wells Fargo 's FAQs claim exists. 

Wells Fargo has consistently made setting up and modifying automatic payments excessively difficult. In light of Wells Fargo 's long history of deceptive consumer financial practices ( culminating in their disgraced former CEO being barred, for life, from the financial services industry ) I am horribly concerned that this is nothing less than a continuation of the ethical rot in Wells Fargo to wrongfully extract money from customers. Further, its likely that I'm going to have to fight for months with them to get my money back. I have no faith or confidence in wells fargo and do not trust them at all to make this right.
Product: Credit reporting or other personal consumer reports

As of XX/XX/, XXXX began billing me for an alleged student loan I, XXXX XXXX : Beneficiary allegedly owe. However me being the beneficiary it doesn't benefits me to repay an alleged loan. I am writing to address the matter of the student loan debt associated with my account. I am the beneficiary of the XXXX XXXX Living Trust, and repaying this student loan debt is not beneficial based on a careful consideration of various factors. 

Firstly, I would like to draw attention to the etymology of the word " repayment, '' which implies paying again. As a beneficiary of a living trust, it is my understanding that repaying an alleged loan would mean paying twice, which does not align with the equitable principles that govern trust relationships. Everything is a trust. How? Because everything is an agreement and if anything has my name on it thats a legal title of my estate. Now lets look at the work credit which means trust. Now lets look at the word report which means property. My credit report is my trust report which is my property. 

Furthermore, the maxim of equity states that equity does not punish. Repaying an alleged loan, particularly one that may not be legally enforceable or valid, could be perceived as a form of punishment. Equity regards the beneficiary as the true owner, and the trustee is obligated to uphold their duties in settling the account. 

Considering the aforementioned principles, I kindly request the following actions : Account Review : I request a thorough review of the alleged student loan debt associated with my account in light of the trust relationship and equitable considerations. 

Account Settlement : If the debt is found to be valid and legally enforceable, I request clear instructions on settling the account. As the beneficiary, I trust that the trustee will uphold their duties to settle the account. 

Removal from Credit Reporting Agencies : I request the immediate removal of any adverse reporting related to this alleged debt from credit reporting agencies, as it is not beneficial to the beneficiary 's interests. You're furnishing this information to the credit reporting agencies which makes you the trustee. If you're not the trustee then you're a stranger. Its three parts to a trust. Trustee, settlor, and beneficiary. If you're not the trustee then you need to hand me my property back. 

I appreciate your attention to this matter and look forward to a fair and equitable resolution. If there are any specific procedures or documentation required to facilitate this process, please provide them at your earliest convenience. 

Thank you for your understanding and cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive asked the company and credit bureaus to remove debt that is 7+ years old. The debt keeps reappearing. The account was charged off in XX/XX/XXXX, so its 7 years and 10 months old. Please assist. 

Account info Account name SYNCHRONY BANK/CARE CREDIT Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Closed. {$3.00}, XXXX written off. 
Status updated XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Original balance {$3000.00} Highest balance {$3800.00} Terms NA Payment history XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current on payments 30 Past due 30 days 60 Past due 60 days 90 Past due 90 days 120 Past due 120 days 150 Past due 150 days XXXX Closed XXXX  Charge off XXXX No data for this period Payment history guide Charge Off as of XXXX XXXX 150 days past due as of XXXX XXXX 120 days past due as of XXXX XXXX 90 days past due as of XXXX XXXX 60 days past due as of XXXX XXXX 30 days past due as of XX/XX/XXXX Contact info Phone number ( XXXX ) XXXX Address C/O XXXX XXXX XXXX XXXX XXXX FL XXXX Comment Current : Purchased by another lender. 

Previous : None
Product: Student loan

We earned Most Valuable Payer coupons totalling {$890.00}. We called to redeem them and XX/XX/XXXX transferred {$7900.00} as a payment and mailed the coupons per their instruction. Instead of paying off the loan as they said they would, they refinanced it without applying the coupons. They are charging us late fees and now we are not even able toog onto their site to just pay it off and be done with this.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and Social Security Number : XXXX, and Date of Birth : XX/XX/XXXXXXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you shall block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Monday, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FLorida XXXX SSN : XXXX | XXXX : XX/XX/1994 To : XXXX XXXX XXXX XXXX XXXX XXXX Experian According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also, please remove all non-account holding inquiries over 30 days did and add a Promotional Suppression to my credit file. 
Thanks
Product: Checking or savings account

My account was blocked twice after depositing due to verifying my transactions. After Ive verified I was told I would have to wait 10 business days for my account to be unblocked. Again soon as I did deposit a few weeks after my account was blocked I didnt get any reason of why it was, I was told we have no information or nothing on why its blocked you just have to wait. Everytime I do a deposit wether its a check cash, Mobile banking I get blocked for 10 business day which is not right. I requested to close my account and I was told they cant close my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have new information pertaining to my complaint I submitted to TransUnion. I sent a complaint on XX/XX/2022, but they were attached to the complaint. That complaint was mainly for XXXX Bank. They responded to the complaint on XX/XX/2022. They did not give me the proper response because they said they need more time to investigate, up to 60 days. This is a violation of the FCRA. Pursuant to 15 U.S.C 1681i ( a ) ( 1 ) ( A ), they have 30 days to response.
Product: Mortgage

I previously had a mortgage loan with Axos Bank on my primary residence. That loan was paid in full ( through a refinance with another lender ) on XX/XX/2020. 

Since that time, Axos Bank has continued to auto-debit mortgage payments from my checking every month on approximately the XXXX of each month. Thus far they have taken five payments from my checking account *since the loan was paid off*. After each debit, they do send a check to reimburse the amount, but it takes about 3-4 week to arrive. 

I have attempted to resolve this issue with Axos Bank multiple times. Each time they promise the checking account auto-debit has been taken care of. 

I would like these debits to immediately stop, as well as Axos Bank to pay me interest on the debited funds, and a penalty for my time and trouble resolving this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on repairing my credit after I found out I was involved in the XXXX security breach, so I started from the bottom and worked my way up. Well, I requested all my credit reports and I got examining them and I noticed that on all 3 reports there are several inquiries I did not authorize. So, I began the steps I sent in countless letters for removal they never removed them, now this costs money because stamps and overnight mail is not cheap, I emailed and nothing, I called and nothing, send more letters and nothing they keep saying they are not authorized to remove the inquiries. So, I called in and got the same answer. Now, my brother sat at my house and used my phone and called all 3 bureaus and asked them the exact same thing I did about having only certain inquiries removed that he had no knowledge of and withing 5 minutes he had 33 inquiries removed from all 3 bureaus with no questions ask! Well, I followed suite of him and called and said the exact same things he did and I got the same answer that they are not allowed to removed inquiries from the report, but they removed all his withing 5 minutes! And my brother is not the only person I know that has had inquiries removed from their report just from a phone call! My question is why do they do it for everyone else but refuse to acknowledge mine and remove them. I am not requesting everything removed just the ones I have questioned that I know for a fact I did not do! I believe this is showing favorite to certain people and also discrimination as to pick and chose who you want to remove items for. I have spent over {$200.00} in postage the past few months to no prevail at all and my brother and others make one simple phone call and boom things are removed! Absolutely not fair business at all! Also, all 3 bureaus do not follow suite with each other like I have ask ... I have also sent in letters, emails and phone calls about that too and each bureau is reporting different information when they should be all reporting the same like I ask. This is ridiculous and is negatively hurting my score because of their wrong doings!
Product: Debt collection

Our payment is due on XXXX, they begin calling as soon as XXXX days after that. Our payment has never hit XXXX days, yet the call constantly to my phone, my wifes, my sister. We have requested in writing no phone calls.
Product: Credit reporting or other personal consumer reports

The bankruptcy currently reflected on my credit report is inaccurately represented. The case indicated as valid and accurate is, in fact, erroneous. There has been no trial or judgment associated with this case. Without a judgment, there can be no valid case. It is imperative that you promptly remove this account from my credit file. The XXXX XXXX  XXXX case number XXXX should be deleted immediately as it is fraudulent. Failure to rectify this situation and continue reporting inaccurate information will compel me to pursue legal action. I have consulted with my attorney, and if the matter is not resolved within 30 days of this letter, legal action will be initiated.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

The company did not explain the computer error that caused the problem. They only reported the problem that is present on the credit report. This is not a resolution.