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

I had XXXX to wire Select Portfolio Servicing, XXXX {$12000.00} to pull a family member 's home out of foreclosure, but XXXX neglected to place the XXXX  properties account number in the wire processed. I realized the account number of the XXXX  property was missing on the wiring paperwork and went back to XXXX and the XXXX requested a reversal of the funds. Unfortunately, the wire was received by SPS, XXXX and it was applied to a mortgage loan of a home I own .... I learned this by calling SPS, XXXX and they confirmed that the {$12000.00} was applied to my next monthly payment and the remainder was applied to the principal. I explained the error/neglect on the part of XXXX  and the SPS, XXXX representative said that the wire would be reversed on XXXX XXXX, 2024 ... SPS, XXXX had not reversed the wire of the {$12000.00} so I requested documentation that the monies would be wired by to my XXXX  account . I received the letter dated XXXX XXXX, 2024 ... ( 1st paragraph ) " SPS has received your wire reference number XXXX in the amount of {$12000.00}. We are notifying you that this is payment will not be applied to the account ( the mortgage of the home I own ) for the following reasons : The check is being returned per customer request. Please check with the financial company that issued this payment for the status of these funds ''. I have called an spoken to SPS, XXXX many customer service representatives, XXXX supervisors ( XXXX XXXX and XXXX who sits next to XXXX ) and XXXX ombudsman ( XXXX and XXXX ) as i escalated my efforts to get my money returned to my XXXX account to no avail ... after many many calls and more recently daily calls... all calls allegedly recorded by SPS, XXXX by pressing buttorn or giving verbal ok to record .... I have NOT received my {$12000.00} back into my XXXX account
Product: Credit reporting

I get an inquiries from XXXX XXXX report with Transunion. who was reported twice, I need the inquiries to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX    XXXX , 2017  I wrote a letter to Equifax regarding an old credit report investigation. I recently realized that I had filed a dispute with Equifax back in  XXXX  and did not receive any information about the results of the investigation.
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I sent Equifax a letter outlining the things that I needed to be removed because they did not do their part and send me a copy of the investigation results at the time.
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While Equifax did send me an updated report -- they did not adhere to the guidelines of the FCRA which states if they do not respond within 30 days, they must remove the negative information.
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Equifax did not respond to me within the 30 days period back in  XXXX  2017.
Product: Debt collection

Today is XX/XX/XXXX. I had a XXXX credit card years ago and paid it off in XXXX of XXXX through another agency. I have all my paperwork to prove it. Six years later I am getting a notice saying I owe {$4300.00} but I can settle for {$2100.00}. When i call this suspicious company called Convergent, they put me on hold and then hang up. Cant reach an actual person. Seems like a scam to me. Convergent Outsourcing Inc, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX WA XXXX. XXXX.
Product: Credit card

Citi bank kept mailing me letters, yet we're not providing an actual reasoning for the credit card denial. Found a phone number online and the multiple Citi representatives I spoke to said I was denied because they could not verify my phone number, not because of credit.

I filed a CFPB for this matter, Citi 's response disclosed documents with my information on it, yet addressed someone by a completely different name. They also stated I can apply again and have my credit take another hit. This is a scam, they do this to multiple consumers and do not disclose the process they require consumers to jump through before applying then automatically deny them. Perhaps they're getting a kick back by forcing consumers to have multiple credit pulls done to obtain a card through their services.

Citi now not only claims they can not verify my information, yet sent me a response with all my information on it, they addressed my documents it to someone with a completely different name. Who knows if they even reviewed this issue or just use a template to reply. I now need to lock all my information because Citi could have sent it to someone else named " XXXX ''. 

If this isn't consumer fraud, I don't know what is.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payment reported on the particular account : XXXX XXXX The account was never past due, I never made a late payment to this company ever please change this, I have a good relationship with this company.
Product: Credit reporting or other personal consumer reports

I DEMAND THAT THESE HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.
Product: Mortgage

In 2001 XXXX XXXX authorized a subprime loan for a mortgage that was way to much for the economy, value of the home, and area.its been over 16yrs of paying this underwater mortgage after selling the loan to several other companies XXXX XXXX XXXX XXXX now New York community bank they have my home in foreclosure! I have raised my children here and now my grandchildren do n't want to lose my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items are updated and repaired. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Prepaid card

I asked why I can't use this AMEX prepaid card anywhere and was told to continue trying it places.
Product: Consumer Loan

I had a car when in XXXX. My father cosigned. I got sick and was in the hospital. Out of spite my father took my car and ruined my credit at the time to hurt me. Ford motor credit is still trying to collect since XXXX. XXXX refuses to remove it.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING LATE 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.

This company 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: Credit card

I 'm currently going thru a divorce and no longer living in my home. My husband contacted XXXX where we have a joint credit card. He said the card is lost/stolen and requested a new card in my name be sent to the marital home. I reported this to XXXX and said that I can not gain repossession of the card in my name and want it canceled it immediately or to have them contact my husband to have him cancel the card. Also asked for them to reissue a new card directly to me. They refused and are keeping an inactivated / open line of credit on my name, when I want it closed and do not want the information on the magnetic strip compromised, or to have the card activated post divorce and have any surprises.
Product: Credit card or prepaid card

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.
Product: Payday loan, title loan, personal loan, or advance loan

I had my breaks on my car repaired at XXXX XXXX. They offered me a three months interest free pay option with interest that applies after three months. I did not realize this was a lease, because how does one lease breaks. Its been over a year and this company is continuing to charge me over {$100.00} per month. The service was less than {$1000.00} and at the end of the lease I will be charged a total over {$2500.00}!!! In 24 months. I cant seem to get out of the lease. Who rents to own their car breaks? I do not know what to do.
Product: Credit card or prepaid card

Starting around XXXX XXXX best buy had a problem sending my my bill, providing it online, or providing promotion terms over the phone. Customer service phone lines had hour waits. 
The major of items I purchase at best buy is on XX/XX/24 month zero interest deferred offers. I try to keep track of them and for about a decade I paid them off on time. 
During this time I paid XXXX of dollars as payment toward offiers on the credit cardeven though I did not know where we were on the payments. 
Finally in XXXX I paid a large amount of best buy charges off. Best buy acknowledged they messed up with billing. They refunded me {$210.00} in interest charges and they were to remove a interest I was charged. They never fixed the interest charges. 

In addition other items I bought under promotional offers I would get a price adjustment or the product was returned. Best Buy then would change promotional termswhen they were not supposed to and I get billed for interest. 

Finally items I have purchased would vanish or order not be fufiiled but I got billed for the order.
Product: Credit reporting or other personal consumer reports

For the last XXXX months I've requested equifax to work with me about my information stolen through their data breach. Equifax refused to acknowledge my claim, and for the last XXXX months, telling me I am not eligible for any settlement and that my data haven't been breached. I attempted many of time to depute for the last XXXX month to have them remove all items thats not Mines. Instead, they won't help unless I give them my Social Security Number in which I warned them that the law say never to give Social Security number to no one as writting in the book, and reminded them there's other ways to verify me so I can get this issue if identity theft over with. As always I feel they are the ones sharing my personal information that leads to me bank account monies missing and unwanted telemarketers calling. They claimed my address, name, and all information i gave them was wrong and they can't help me. This has been a routine all these months. And just as I figure, I was right about being a victim of their data breach, as I have proof through ( Federal Trade Commission ) website showing im part of the breach. Not only that, after giving them my Social Security Number after they claim not to be able to verify me this last time ( They have shared my information once again, having countless of phone calls coming to my phone from foreigners and telemarketers. All this started the day after, farther proving they are still selling me information cause me and my family danger and harm, even after placing my credit report on Freeze and locked. They continue to remove me Freeze and locked report. And claim for the last months that I never had my file froze, which they are the reason I started freezing my reports in the first place. Everything about equifax is a scam and I dont want them having my information as they have caused me to much harm and to many lies about what's really happening amongst them all about selling data. 
I want to file a claim for them lying refusing to acknowledge me as a victim & not locking and freezing my reports claiming that all the 100 times of contacting them never been about the dats breach. And to refuse to correct and update my information as I have a right, and for them not removing all items thats been placed on my credit report. And for them not allowing me to be apart and file claim on settlement payment payout throughout the settlement process. I want no parts of Equifax and have asked them over and over to no sell my information, and to lock my reports as they have refused to do so. 
1. I want all items removed as I requested removed 2. I want them to file identity theft claim, and fraud claim. 
3. I want to receive free monitoring of my report as FTA & Fair Credit Report Act show I am entitled to do to data breach and identity theft 4. I want my data breach payment they say im not entitled too & refused to acknowledge 5. I want 24/7 access to my reports online, as they have blocked me from accessing 6. I want my data protected and not shared
Product: Credit card

My Aspire credit card used to make unauthorized purchases. I filed a claim and now the claim has been resolved, not in my favor. Im being held responsible for {$3000.00} worth of fraudulent charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo XXXX regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes XXXX law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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 information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per XXXX and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. 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 to be removed/updated.

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 XXXX  days before the payment due date.

I have requested proof that this information was mailed or delivered XXXX 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!
Product: Credit reporting or other personal consumer reports

I noticed several things on my consumer report that are incomplete and inaccurate. And according to the FCRA whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum accuracy of the information that is concerning the person/individual about whom the report relates. These accounts are not complete or accurate : 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 always had a good credit score, pay credit cards regularly ; therefore, I never check my credit score. In XXXX, I saw my credit score decreasing and notice a fraudulent account that I have never opened on my record with XXXX XXXX. I reported it via XXXX and today received a confirmation that the information is accurate. I called this company because I am not aware of what type of account it is and what this bank even is. 

I am in the process of buying a house. This fraud prevents me from doing so, causing sufficient amount of pain and suffering, while it does not seem XXXX adequately investigated my fraud report. 

I have never opened an account with XXXX XXXX, I am not aware of this bank, never communicated with this bank, neither via mail nor otherwise. I have never thought their credit line, and I am not interested in their services. I have significant amount of credit cards enough to satisfy my needs, and I have always been diligent with paying for my credit cards. 


I have nothing to attach to this complaint because I have never opened such an account. The only thing I can report is a mistaken decision by XXXX to complete investigation without changes to my credit score.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX. 2024 I sent a simple opt out letter to XXXX XXXX XXXX when I saw that they were on my report and I didnt establish a relationship with them, to report on my credit report. I am escalating by asking for proof that this is my account, and that weve established a relationship of business. 
1. Privacy Rights Violation : Under FCRA 15 USC 1681 and 15 USC 6801, consumer reporting agencies ( XXXX, XXXX, XXXX ) are required to respect consumers privacy rights. XXXX XXXX XXXX, as a financial institution, is also obligated to protect my personal information. However, my private information has been shared without my permission, violating my rights. 
2. Requirement : According to FCRA 15 USC 1681 section 604, consumer reporting agencies may only share a consumer report with the written consent of the consumer. I did not provide written consent for XXXX XXXX XXXX, XXXX, XXXX, or XXXX to furnish my information, and I hereby revoke any prior consent, whether implied or explicit. 
3. Failure to Inform of Nondisclosure Option : Under 15 USC 6802, financial institutions must inform consumers of their right to opt out of information sharing with third parties. XXXX XXXX XXXX did not provide this disclosure, denying me the chance to exercise my nondisclosure option. 
4. Inaccurate Reporting : FCRA 15 USC 1681s-2 prohibits furnishing information that is known or believed to be inaccurate. XXXX, XXXX, and XXXX have failed to maintain procedures to ensure the accuracy of their reporting, as required by FCRA 15 USC 1681e.

5. Opt-Out Right : As stated in 12 CFR 1016.7, I have the right to opt out of having my information reported, and I am exercising that right. 
My report shows XXXX discrepancies in payment history which is also a violation of my right to privacy under the XXXX XXXX XXXX which falls under 15 U.S.C. 6801 and 6802. I was not given the safeguard to opt out of sharing my private information to third parties, which negatively affects my report. 
XXXX. Gross income and Returns Relating to the cancellation of indebtedness : XXXX XXXX. XXXX ( a ) ( XXXX ) & XXXX XXXX XXXX XXXX charge off and collections are income from discharge of indebtedness.If a creditor cancels or forgives a portion of a debt, the canceled amount can be considered taxable income for the debtor, as they are no longer obligated to repay it. The institutions that placed accounts into charge off status or collections never sent a XXXX for me to file.
Product: Bank account or service

On XXXX/XXXX/2015, Rushcard scheduled system maintenance that would not allow me to access my funds or making any transactions between XXXX and XXXX. At approximately XXXX on XXXX/XXXX/2015, I was notified that the system updates were delayed but ATM transactions could be done. Since then I have not been able to access the funds in my account and have not received notification of the direct deposit I was supposed to receive today on XXXX/XXXX/2015. I have contacted customer service by phone at least 5 times. Two of those five times a representative told me that the issue would be resolved on the evening of XXXX/XXXX/2015. I have also contacted the company 's XXXX and XXXX, along with XXXX of other customers, to try to get answers. This is unfair and unacceptable, especially when I have a child to feed and bills to pay. Rushcard is seriously messing with the livelihood of its customers right now. I have gone over XXXX hours without being able to access my funds.
Product: Debt collection

Portfolio recovery calls almost daily. I've counted up to XXXX times in aXX/XX/XXXXday period. They use a robo dialer so the number is constantly and ever changing so there's no way to effectively block it. They've called as late as XXXX in the XX/XX/XXXX and as early as XXXX in the XX/XX/XXXX I have documentation of this. They even called XXXXXX/XX/XXXX at XXXX and then again at XXXX the nextXX/XX/XXXX. I'm tired of the harassment. They call on the weekends as well.
Product: Credit reporting or other personal consumer reports

Identity theft on card by former employee. XXXX referred me to their vendor XXXX XXXX XXXX XXXX. Paid a {$2500.00} fee, was to settle, clear from history. 
XXXX just charged off ruining credit along with their vendor XXXX XXXX incorrectly deceiving Money and terms.