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

XXXX XXXX XXXX reported my transaction history between XX/XX/2024, XX/XX/2024, and XX/XX/2024 which is illegal. 15 US Code 1681b states I the consumer must give written consent to add anything to my consumer report.
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. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX. I do not understand why they are abusing consumers XXXXThis 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 XXXX 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 XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Money transfer, virtual currency, or money service

From my checking and savings account, I sent a wire transfer to a bank in XXXX ( where I live ) to pay for my rent XXXX of 2020. 

The transfer was flagged, so Wells Fargo kept the money at the branch, but even though they claimed to investigate the transaction issue and said that I should get the money within the next month, they did not return to money back to my account. 

However, in XX/XX/2020, Wells Fargo notified me that I would need to pay an additional fee and that after I paid the fee, I would have the money returned to my account. 

Despite paying the additional fee, the money I wired was never returned to my account. 

Further, now the Wells Fargo representatives ( XXXX ) informed me that unless I am physically present, they are unable to assist me in getting my money back and will take no further action. Wells Fargo representatives that have been my point of contact are aware that I live abroad and due to COVID, I can not go back to the United States as I would not be permitted to return back home to XXXX. 

It has now been over a year that Wells Fargo has kept my money, and now refuses to return it to the account. I was assured over a year ago that the amount would be returned to me, and it is appalling that it has not yet happened and that Wells Fargo is now, in email, saying that they will not assist me further unless in person. 

Wire transfer total : XXXXUSD Wire transfer fee : XXXX USD ( REIMBURSED ) Additional fee to have the money returned : XXXX USD
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX Acct # XXXX, has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy.

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

Loan depot communication is through Mail, and for any outstanding loan payments, they do not alert customers through SMS text or emails and still follow the old tradition of sending by mail, which can be overlooked quickly, thinking that it could be another sale-related They canceled my recurring payment option and did not alert me through an email or an SMS text, and now they are asking me to send cash order checks by mail going forward Loan Depot does not provide real-time payment options like debit card or direct debit options to pay or pay through a bank transfer - no bill payment options They are not willing to listen to customer concerns, and they know it is not easy to transfer the loan to another bank as it involves so much financial burden Their systems and processes are significantly legacy, and they never focussed on investing to make it customer-friendly and providing the industry 's best tools for payment options They are designed to make the customers fail and suffer
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian, 6 times, requesting that they stop violating my rights. I am a victim of identity fraud. they referred me to some website to complete the paperwork and I did, I sent it to Experian, XXXX and XXXX. XXXX and XXXX have obliged but Experian refuses. These credit inquiries are fraudulent.
Product: Checking or savings account

Wells Fargo closed my account, which I mentioned in a previous complaint. The issue is, they deactivated my online banking which has my credit card login attached. I need to be able to pay my bill, and can not access it.
Product: Checking or savings account

On XX/XX/XXXX I logged into my Huntington bank account. I scheduled a " bank-to-bank '' transfer of {$2500.00} from my Huntington checking account to my XXXX XXXX account. Both of these accounts are in my name and appear identically on each corresponding statements. 

However, the transfer never arrived at my XXXX XXXX account. I contacted Huntington 's customer service over the phone and they said that they could not provide any more information over the phone and that I would have to come into a branch. 

Soon after, I noticed a deposit hit my Huntington bank account of {$2500.00} on XX/XX/XXXX, but it was on hold. I called customer service again and asked why it was on hold and they directed me to visit a branch. So, I visited a Huntington branch located at XXXX XXXX XXXX  XXXX, XXXX, OH XXXX. I spoke to a banker about the deposit hold and the transfer issue. I explained the situation noting that I input all of the information on Huntington 's website and I did n't understand why the transfer did not go through and even further why there was a hold on its return. The banker called another department of the bank while I was sitting there and inquired with me. She was notified on the phone that the transfer issue was due to names not matching on my Huntington account and XXXX account. I provided her a statement from my XXXX XXXX account that I was trying to send the transfer to and she agreed that my name did match exactly on both accounts. She said, after speaking further with the other department, that the issue would be resolved automatically and the hold on the deposit would be removed within a week. 

However, two weeks passed and the {$2500.00} deposit was still on hold. I called again and chatted online with representatives multiple times over the course of nearly three months and each time was told that no further information could be provided about the hold and that there was no estimate to when the issue would be resolved. It is now XX/XX/XXXX and the deposit is still on hold and I 've received no further information. It has been far too long at what originally was a very simple mistake on Huntington 's part by both my account and the banker I met with. I hope this issue can be resolved in a timely fashion.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items. It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax has been asked to run Correct FCRA XXXX for XXXX, XXXX and XXXX. These accounts have already been ran with XXXX and correctly removed. Equifax has been provided with the correct information and yet still refused to run correct XXXX. Attached are the files removed from XXXX as they should be removed by Equifax as well if they ran the correct XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I over paid my Macy 's payment due in XX/XX/2022. Therefore, I should not have had a payment for XXXX XXXXThey reported me as delinquent and as missing a payment. I have paid the account off on XXXX XX/XX/2022. In fact instead of being delinquent, Macy 's customer care stated I had a store credit of XXXX. 
Macy 's is reporting me inaccurately and has refused to change the account status. I have filed multiple complaints with XXXX, XXXX and XXXX. I also contacted Macy/s regarding the alleged missed payment. 

The account has been paid in Full for Macy 's Store Charge Card with Macy 's owing me money.
Product: Credit reporting or other personal consumer reports

These accounts were opened during a time when I did not live in the U.S, I was between XXXX and the XXXX XXXX XXXX. I have filed an FTC report which I'm including plus additional documentation which proves I did not live in this country while this identity theft was happening. 

I'm providing my XXXX passport, XXXX application and XXXX passport. As you can see I was out of the country all the time that these collections happened. 

The accounts in question are : XXXX  XXXX XXXX XXXX {$5800.00}, XXXX XXXX {$32000.00}, XXXX XXXX  XXXX {$6900.00}
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I had some charges coming through that I was doing, someone from the company called to verify with me after sending a text to inquire if I was trying to make said transportation. He access my account once I logged in, he then said he would have to limit the account access so that they couldn't do any more transactions. In reality he locked me out of my account transferred the money I had in my savings and sent himself XXXX. I disputed it several times and have yet to receive my money back but I got the charge he done from XXXXXXXX XXXX returned to me but not my XXXX dollars. They keep acting like their trying to dispute it and send stuff to my email but don't.
Product: Debt collection

I received notice that my wages are being garnished. I received no paperwork concerning the " judgement '' that was issued. It was my understanding that I was to be served paperwork concerning the judgement. To this day, the only paperwork I received was from employer informing me of this garnishment. I do believe that the garnishment is illegal since no judgement paperwork was never served on me at either my residence or place of employment
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently went over my credit report, and I noticed that there are payments that are being reported as late. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nationstar 's response to the CFPB is a blatant lie. Here is why : In XXXX of 2018 my insurance company, XXXX, issued a new policy which required Nationstar to issue a check to pay for the homeowner 's policy. The policy was incorrect and XXXX issued a second policy in XXXX to correct the incorrect policy. Nationstar sent a second check to XXXX to account for the two policies. Nationstar know this is what actually caused the erroneous escrow amount. I was never notified by Nationstar about the two policy  payments until I called. Nationstar never worked with XXXX to reconcile the right account policy and I never received a letter from Nationstar about my escrow account. The back dated letter they provided you is apparently a fraudulent letter because unless they can provide that the postal office delivered a letter they are lying. Additionally, I received a refund from XXXX for the two policies in XXXX without any notice or explanation for why I got {$4100.00} for my policy. I was told my Nationstar 's escrow department that I did not need to repay the money because the amount is reflected in my mortgage payment. Nationstar and my insurance company, XXXX, failed to inform me of these mistakes and did not involve me in the resolution. My credit history should not be impacted by their incompetence and their explanation is typical of Nationstar. Its a lie! All they need to do reverse the inaccurate credit report. 

Mortgage Loan # XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, Rhode Island XXXX I writing this complaint because Mr. Cooper, formerly Nationstar, is either fraudulently or incorrectly reporting to reporting agencies that my mortgage payment is late when in fact the payment is not late. Furthermore, there is no outstanding or pending payment required for my account. Additionally, my escrow account is incorrect and does not reflect accruals for homeowners insurance. Mr. Cooper has changed its name but its fraudulent business practices have continued right where Nationstar left off. I hope that you will contact the firm and address this on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account NameXXXX Account XXXX Account TypeCharge Card ResponsibilityIndividual Date XXXX StatusPaid, Closed. 
Status UpdatedXXXX XXXXXXXX Account NameXXXX XXXX XXXX Account XXXX Account TypeCollection ResponsibilityIndividual Date OpenedXXXX  StatusCollection account. {$1800.00} past due as of XX/XX/XXXX. 
Status UpdatedJan XXXX XXXX XXXX XXXX Account XXXX Account TypeCollection ResponsibilityIndividual Date OpenedXXXX  StatusCollection account. {$2300.00} past due as of XX/XX/XXXX. 
Status UpdatedXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX names are not mine, FCRA violation XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY all the above are incorrect, CPRA violation
Product: Debt collection

I drafted and sent two dispute letters to YCCS ; I also sent them certified mail. Please review the dispute letters I attached in the XXXX They are dated XX/XX/XXXX and XX/XX/XXXX and provide detailed information. It is also a response to XXXX XXXX for case number : XXXX ; this is the Case # of my complaint with the Consumer Financial Credit Bureau XXXX 

YCCS has purposely neglected to send me required documents in a timely manner to increase interest rates on my debt. They have been unethical and lied about sending me a contract I requested from them on XX/XX/XXXX. 

They did not send me the contract till 14 months after I originally requested it. In that time interest accumulated on my debt. They purposely do not send certified mailed noticed to avoid being held accountable due to their dishonest collection tactics. Reviews of this company and how they collect and drive up debts amounts are horrendous. 

Please review my attachments.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received a copy of my credit report, and I have found that in accordance with the FCRA you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS.

Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for 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 XXXX XXXX XXXX XXXXXX/XX/XXXX I NEVER gave you, OR the above-listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practices. 
You should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! These accounts are listed with late or missed payments and that is incorrect. The ABOVE listed ACCOUNTS were NEVER late and should be listed as PAYS or PAID AS AGREED and update my payment history to a green check or gray it out. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report, and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that you will recheck these items with the creditor who has posted them. 
Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report reflecting the requested changes. 

Best Regards XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX, oh XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX
Product: Credit card

I went XXXX XXXX military XX/XX/2013. I had an outstanding balance of over {$1000.00} on my discover card. I left my finances in control of my financial broker as I was unable to control my accounts. After I left, my discover account had a fraud alert and was locked out. My broker was unable to regain access to pay the bill off the following month. When I regained control of the account I paid the debt in full. However, I was charged with a 30 day delinquency on all my credit reports. I have contacted Discover with this information on a yearly basis and even provided my military XXXX. Although this is considered a valid charge the negative impact on my credit is damaging my job field in the military as I have a XXXX in jeopardy. 7 years is a long time to punish someone with a good history of bill paying considering I had no control over the account and was on XXXX XXXX at the time. I would like the 30 day delinquency removed from the credit reporting agencies.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I sent my son {$25.00} via CashApp, which he never received. It was sent to his original account linked to his old telephone number. His phone number was changed but he still had access to his Cash App account up until he had his phone replaced and had to reinstall the app. During this time, I sent him {$25.00} he never received because both his phone and new telephone number was not linked to his old account. I tried to resolve this since I was the sender and he tried to resolve this since he was the intended receiver. We have both been unsuccessful with their steps for verifying his identity. They have essentially told me that there is nothing they can do on my end and suggested he create another account without any investigation or transfer of monies to his new account. Meanwhile, my money is sitting in his virtual account. There is no live person to speak with and I have chatted with several assistants and have even asked to escalate my issue but they refuse and have closed all chat sessions with me. 
We have taken every step or recommendation they've asked and each step or recommendation has led to nowhere except back into another chat session.