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

I have sent each credit bureau a letter updating my personal information and for some reason they can't seem to get it right. Each report shows different personal information. I have told Experian on several phone calls and letters that my name is XXXX XXXX XXXX not XXXX XXXX XXXX. but they have not deleted it from my file. I have also told them XXXX XXXX XXXX does not belong to me and they still have not deleted it. I have updated my employer with XXXX as The United States Postal Service ONLY. They removed all other employers but added XXXX back as an employer XX/XX/XXXX, which I have not worked for them in over 10 years nor do I have any business with them. Also, there is an inquiry on my file from XXXX since XX/XX/XXXX that I have been disputing but they refuse to remove it even after I've sent letters to both XXXX and XXXX XXXX company stating that I have no business with this company and this inquiry was not authorized. I have informed XXXX in the letter and multiple phone calls that my ONLY address is XXXX XXXX XXXX XXXX XXXX, WI XXXX and they somehow deleted all old addresses except XXXX XXXX XXXX XXXX, which I have not lived at in 15 years nor have any ties to. I would like these matters to be deleted and updated right away as it is having a negative effect on my credit profile. I have attached the letter that I sent to all three credit bureaus as well as the letter that I sent XXXX that was returned to me. Thanks, XXXX XXXX
Product: Credit card or prepaid card

I have been attempting to resolve this issue for almost a year wit h Walmart ag ent Synchrony Bank. My card was compromised   XXXX   of 2016   with charges from  XXXX  and  XXXX . After contacting Synchrony on numerous occasions to resolve the issue their solution was to refund the charges and re-issue the card. Since these charges were setup as re-occuring charges the charges were not blocked but rolled over to the new card. My credit card continued with the roll over because their outdated rule do not have the ability to block these charges. After  XXXX  re-issues, I personally called  XXXX  and they stopped the charges and told me if Synchrony had rejected the charges they would stop. The problem is I can not find a single number to call  XXXX  and any written correspondence requires account information which I do not have since I never had one. Now the charges appeared again, my account was blocked from usage again and a  XXXX  new card issued. Since everytime I call the number on my card it says " Thank you for calling Walmart credit card services '' I have to assume th at Synchrony is the agent for Walmart. T his is important because if that re-occuring charge appears on my  XXXX  credit card I will file a civil suit with a jury request against both companies.
Product: Mortgage

I am having an issue with Wells Fargo. I was force-placed for homeowners insurance by Wells Fargo without contacting me. They claim to have called me and left a voice mail, but I have no record of having received a call on my cell phone or having a v-mail from them. The force placed Insurance is about 4 times more expensive than my regular insurance. If they are going to purchase such expensive insurance on my behalf, I would appreciate them contacting me - they have my mobile phone number, e-mail and home address. They contact me for credit cards, home equity loans etc. etc. via e-mail and snail mail, so why not for this. When I called customer service, they claim to have done nothing wrong and blamed it on me. I need CFPB 's help as I am unable to get anywhere with Wells Fargo 's customer service, which BTW it takes about an hour to get to talk to a live person re : insurance questions.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX  ( part of XXXX XXXXXXXX XXXX ) assessed my XXXX  account charges XXXX : {$570.00}. A credit of {$300.00} was wiped out and left a total due XXXX : {$270.00}. 

They attempted to charge {$570.00} in cleaning-related fees that I never agreed to pay in advance of the charges being assessed for the following : - Carpet Scrub - Carpet Cleaning - XXXX XXXX - Stain Removal - XXXX Responsible ( XX/XX/XXXX to XX/XX/XXXX ) The charges consist of XXXX  fees in the last month due XXXX : {$250.00} for rent responsibility from XX/XX/XXXX to XX/XX/XXXX. I had already paid a final month 's XXXX  payment XXXX : {$1500.00}, which includes XX/XX/XXXX days of rent XXXX : {$1300.00} ( XX/XX/XXXX days X XXXX rental charges ). {$160.00} of that was put towards sewer, water, and trash for the final month of occupancy. 

This would result in a corrected balance due of {$15.00} ( had they calculated the charges correctly ). 

Looking at the last lease agreement signed with XXXX XXXX, prior to myself becoming a month-to-month tenant, I am in no way responsible for paying for " normal wear-and-tear '' items upon move-out. I am only responsible for damage and repair costs, for which there are none. 

The corrected amount should result in a check due back to me XXXX : {$300.00} from XXXX XXXX, with the apartment being responsible for the renovation charges they incurred on their own apartment upon my move-out. 

XXXX XXXX did not agree to this when I made them aware of the error and instead of listening, they sold the invalid debt to a collection agency ( XXXX XXXX XXXX XXXX ), who again did not listen to my complaint in regards to the error. 

The debt collection agency filed a derogatory collection remark on my credit report to all three bureaus instead of listening. And now my credit history is impacted, causing me to be unable to obtain a mortgage out-of-state, refinance my car, or rent a XXXX apartment within the state. 

I filed a dispute within all three credit reporting bureaus along with a complaint against the debt collection agency ( Complaint ID : XXXX ) and my remarks were ignored by the credit reporting bureaus, the Consumer Financial Protection Bureau and also the debt collection agency. 

Please review the attached documents which show everything in writing : - Bank Statement showing final rent payment - Final statement of charges - The entire final lease agreement before becoming a month-to-month tenant - Snippet of section XXXX of the lease agreement showing charges upon move-out that are not valid
Product: Mortgage

I submitted an application to Amerisave Mortgage company and given a pre-approval ( XXXX. ) With the pre-approval I found a home. I received disclosures and other documents upon finding the home. On XX/XX/XXXX it was assigned to new loan officer. Loan officer again sent me update disclosures. After receiving the disclosure there was an issue with my student loan debt. I was asked on XX/XX/XXXX to provide this documentation to the loan officer. After providing the documentation in reference to my student loans I was told everything was satisfied and the process will continue. I then instructed to get homeowners insurance. On XX/XX/XXXX I purchased and prepaid Homeowners insurance for the home. It was forwarded to the mortgage officer. On XX/XX/XXXX I begin asking for a closing date from the loan officer to make sure the insurance covered the corrected dates and closing date. I received no answer. But I did receive disclosures about an appraisal of the property. I was informed Amerisave was waiting on the appraisal of property to provide a closing date. In XXXX an appraisal was completed but need to be reappraised due to issues on behalf of the owner. Owner ( s ) provided substantial amounts of money to fix the issue for the appraisal to pass. Again I was asking and seeking questions about closing, any issues etc. I sent email on XXXX, XXXX XXXX XX/XX/XXXX, XXXX all seeking answers about closing dates, cost of closing, any issues etc. All the few times they answered it was " everything is ok ''. So I proceeded based on hearing from my closing agent and title company closing was near I submitted my 30 day notice to landlord, bought new furniture, continued to pay on home insurance, and also providing more earnest money for the purchase of the home. Including the fact the sellers had put substantial amounts in the home to comply with appraisal. I received an email on XX/XX/XXXX to review the update appraisal report only to log in an notice a message the loan was " declined ''. I immediately begin to call seeking answers, as if this deal feel through I would and am now homeless and lost over {$10000.00} in monies. I was told due to my student loans and income to debt ratio I was declined- an issue I believed was satisfied. I am not being evicted because I gave a 30 day notice to landlord, threatened to be sued by seller due to the monies they put into home for appraisal, monies spent on home insurance, furniture and other items for homes. I need answers why was the process drugged out to so long on an issue I believed and told was settled. I need my money returned, I have no home or place to go me and my family will be homeless. I should have been informed in XXXX this was an issue. I sent several email as you can see aksing for help, making sure everything was ok, please help me.
Product: Money transfer, virtual currency, or money service

I used worldremit.com platform on XX/XX/2018 to transfer an amount of XXXX $ from my Checkin account to a savings account in XXXX. The amount was debited right away from my account but was never credit in the intended account where it was suppose to be. I reported this with the customer support of world remit to look into the matter via email. After a chain of email conversation back and forth I received an email in XXXX on XX/XX/2018 which says that the case is closed from their end as they could not find any information where the money went missing. 
The transaction number is XXXX The case number for the complaint is XXXX
Product: Money transfer, virtual currency, or money service

In XXXX I used Zelle and accidentally sent {$1500.00} to a number but accidentally typed an incorrect number and could not get the money returned. I contacted the bank and Zelle but there was nothing they said they could do about it except ask for it back. But of course they did not send it back and I was blocked
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I was incarcerated when these accounts were open I have police report to confirm I ask that these things get removed from my credit file immediately as it have cause pain and suffering to my life thank you and god bless
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was still found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. THE LATE ACCOUNT BELOW NEEDS TO BE CORRECTED OR UPDATED COMPLETELY FROM MY CREDIT REPORT XXXX XXXX XXXX and XXXX XXXX
Product: Debt collection

- Received a bill from XXXX XXXX for {$160.00} sent a check directly to the company on XX/XX/XXXX. 
- This was the only bill I ever received from the company, and as soon as the bill was received, I mailed a check. 
- Mortgage broker pulled a hard inquiry on XX/XX/XXXX and found I had an account in collections for {$160.00} -- the same amount as the initial bill - XXXX XXXX XXXX on XX/XX/XXXX and spoke to a contact over there who said there was a second, unpaid bill for the same amount ( {$160.00} ), and it had been sent to collections. 
- During my conversation with XXXX XXXX, I paid them in full for the amount on file ( {$160.00} ) - I had never received any notice of this second bill, just the initial one that was paid for the very similar amount. 
- I was never informed in any capacity that this account has gone to collections, nor was I notified that it WOULD go to collections if it remained unpaid. 
- Collection agency did not communicate with me directly in any capacity - If I had known about the bill, it would have been paid immediately and on time before even going to collections. 
- My credit report was spotless and exemplary, above 800, before this incident and has dropped substantially since then to under 700.
Product: Credit card or prepaid card

On the date XX/XX/2020 my Louisiana unemployment benefits claim was approved for that week but my card unemployment debit card was received after my claim was approved. I activated the debit card but I still have not gotten my benefits for the week XX/XX/2020.
Product: Credit reporting or other personal consumer reports

my privacy is being violated and this company is not complying to my request.
Product: Checking or savings account

On XX/XX/2022 I was on XXXX XXXX  searching for massage equipment and came across an office jacuzzi I went to the site through the ad posted and ordered and paid for it till this day I have yet to receive anything ever since that transaction my account I believe was compromised by the fraudulent site due to me paying with my banking information
Product: Mortgage

Original Loan Modification application # XXXX Residence XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX submitted as of XX/XX/2023. Furthermore, illegal migrant squatters vandalized and destroyed residence. The renovation and repair are be done from personal finance s. Seleene finance is not processing loan modification application and requesting research. Unfortunately, that bank has filed foreclosure mitigation due to Seleene finance unable to service loan modification.
Product: Debt collection

I terminated my lease at an apartment i lived at due to them not responding to sanitary reasons and they sent to collections with Hunter Warfield. I have sent XXXX letters of dispute to HWarfield with no response. They want me to pay the balance of the lease in full and i refuse to do so.
Product: Debt collection

This debt popped up on my credit file today. Ive recently paid off all of my outs and debts. Ive never seen this debt before. I called the collection agencys phone number listed on XXXX a few times and I kept getting a personal voice. I believe this claim to fraudulent as letter or anything of this unknown debt has been sent I also looked up the company and they are known for buying very old debts and trying to collect. Please remove.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I received a call from my bank which is Wells Fargo of fraud on my account. A fraudster has did a cash advance from my credit card in the amount of {$10000.00} and transferred it to my checking account and did a digit wallet tap at XXXX locations XXXX hour and a half to XXXX hours away from me. My card were not lost or stolen and I have NEVER gave my information out to anyone. I work alone and have no idea who could have stolen and did this. I have been working with Wells Fargo and today XX/XX/2023 I called for an update on my claims to get money put back on my credit card and checking out ( which someone closed it and it was not me and should not have been done ). I was advised that my claim was denied because the bank said I did the cash advance and putting it into my account which I did not do the transaction so they closed it. After the XXXX Wells Fargo representative I spoke to today, I was advised that the claim was denied as if I processed the cash advance. No further investigation is being done so the last representative reopened the claims, asked questions, and said due to the department he is not able to provide me with a claim # but have previous claim numbers. Today, I filed a police report online with my local police department, and I found all addresses where transactions where done so I will be traveling to those locations to ask questions. I have spoken to a XXXX at XXXX of the locations today and he advised he would allow for me to review footage from the day of the transactions which was XX/XX/XXXX. I will be traveling to the location tomorrow, XX/XX/XXXX as soon as I land in XXXX, XXXX No time stamps are available, as of now, which I got addresses from my Wells Fargo bank XXXX which the bank could have also advised me of the correct steps but they did not along with advising me to do a police report and/or they will review these locations. They only provided claim numbers and said that it would be taken care of. I also had my own funds and verified my last transactions on the account before fraud occurred and still has not been resolved, therefore I am doing my own investigation because someone got my information somehow and has acted as if they were me and stole this money. Also, when I called the bank today XX/XX/2023 they said they can not find where the funds went to and no longer have access to the account due to being closed. Wells Fargo has not helped besides noting my account, having account closed, and processing a claim. I have probably talked to over XXXX individuals from Wells Fargo from the various XXXX departments and nothing has been taken care of at this point. I am very unhappy with the customer service, no sense of urgency and lack of investigating on this situation as I have been a customer for years and they can verify I have never did a cash advance ever and also I had a XXXX balance on my Wells Fargo credit card account since XX/XX/2023.
Product: Credit reporting or other personal consumer reports

Consumer reporting agencies were notified multiple times about inaccurate information and fraudulent accounts on reports and failed to follow procedures. As a result of this i was unable to attain housing or get approved for an apartment. As a XXXX American person living in a metropolitan city its very hard to find affordable & accessible housing suitable for all my needs.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I been talking to XXXX by phone about a dispute that they reinvestigated 3 times already, the first report which was created on XX/XX/2019 as it read Account Dispute Opened We have opened your Account Dispute The dispute for the account with THE BUREAUS INC that starts with XXXX has been received and should be completed by XXXX.which at the time I submitted all documents to support my claim, that I sent a certify letter to the address that they was reporting to the and it came back returned with no forwarding address, and the finished their investigation on XX/XX/2019 that read THE BUREAUS INC Account XXXX This item was removed from your credit report. Please review your report for the details. 
Show Details | View your Report | View your credit score Deleted then on XX/XX/XXXX, THE BUREAUS INC re inserted the account back on my credit report THE BUREAUS INC has flagged your account as Collections. 
Accounts in Collections are accounts that are seriously overdue and have been turned over to a collection agency XXXX has investigated this matter twice and now the report comes back as verified or THE BUREAUS INC Account XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains please look into this matter as I spoke with reps of XXXX as they tell me the can find anything that says this matter was deleted from my file
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and seen there was some incorrect information listed. Please removed these accounts from my credit report they are hurting my ability to obtain credit and other sources.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got my car through a XXXX XXXX on XX/XX/2016. My car was repossessed and resold and purchased by another lender. It says on my credit report the account was closed on XXXX XXXX. As I look on my credit report I see an open account for the amount of {$15000.00} opened XXXX XXXX through NCB Management services with the Original credit name of XXXX XXXX XXXX XXXX ). XXXX was in a class action lawsuit and it was a judgment passed that any derogatory information including late payments or repossessions must be removed from all credit reports and since it is still on my credit report they are violating the UCC code.
Product: Vehicle loan or lease

On Thursday, XX/XX/XXXX I made a {$100.00} Bill Pay payment to Honda Finance via XXXX XXXX XXXX XXXX. 

On Thursday, XX/XX/XXXX, I scheduled a payment for XX/XX/XXXX via XXXX XXXX Pay in the amount of {$310.00} to Honda Finance. 

After scheduling the payment on XX/XX/XXXX for XX/XX/XXXX, it was not listed amongst the scheduled payments so I wasnt sure that it went through as the XXXX mobile banking XXXX has glitched many times in the past and check deposits or transactions would not submit though Id submitted or there would be an error indicating a check deposit had not deposited when in fact it had. 

So on Friday, XX/XX/XXXX, I called XXXX to confirm whether the scheduled payment had processed as there was no history of it in online banking and I was told no by a XXXX customer service agent that the scheduled payment had not been scheduled and no payment for {$310.00} was in their system. 

So on Friday, XX/XX/XXXX, after speaking to XXXX to confirm the scheduled payment had not in fact been submitted, I re-submitted a payment for {$310.00} via XXXX XXXX to Honda Finance via XXXX. 

To my horror, I discovered that the {$310.00} payment submitted on XX/XX/XXXX cleared on Monday, XX/XX/XXXX, a {$30.00} NSF fee was applied also as the original {$310.00} payment scheduled for XX/XX/XXXX also was attempted. 

I contacted XXXX and informed them of the duplicate payment as a result of their mobile app issues but the agent did not stop payment so on XX/XX/XXXX, the {$310.00} original payment to Honda Finance was attempted again and captured by Honda Finance. 

XXXX informed me that I would have to contact Honda to get the payment returned. 

On Friday, XXXX XXXX, when I contacted Honda Finance Customer Service, the first Honda Finance agent hung up on me after I asked for his name when he refused to refund the duplicate payment. So I called back again and spoke with XXXX who told me the same as the first agent : They would not refund the duplicate payment unless I sent my bank records after which I would have to wait for a snail mail check. 

Honda refuses to quickly return the duplicate payment via digital payment ( the same manner in which it came ) made in error and the associated fees attached with being charged twice and the money not being available. 

Also my XXXX XXXX access has been restricted for XXXX and Honda Finance unfairly.
Product: Checking or savings account

Multiple times my account was charged an overdraft fee but they told me I had 24 hours to correct the negative balance. A lot of times they would stop my account from getting overdraft and charge me for a bounced fee
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX