23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

On Saturday XXXX XXXX I check my Transunion credit report to find that there were inquiries and collection accounts that were added to my credit report that was not on there before. Subsequently I found out that there was a glitch in their system and peoples credit reports were altered. I called on Monday XXXX XXXX to see if they were going to remove the inquiries and I was told that I have to write each creditor and request that they remove the inquiries. I never received any type of notification that these inquiries will be added to my report per the FCRA. I would like all inquiries and collection accounts removed from my credit report. I am trying to start the homeownership process next month and this would set me back from starting the process
Product: Credit reporting or other personal consumer reports

I think FCRA 605B requires us to eliminate any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts are inaccurately reported in terms of reporting, amounts, and dates.
Product: Checking or savings account

On XXXX XX/XX/year> I noticed that my regular paycheck had not deposited into my account. After investigating, I realized that my direct deposit information had been changed to Current Banking without my consent. I contacted Current about the issue and they responded by immediately terminating my account with {$960.00} still in it. They completely cut of all access to my own money and after multiple emails with their fraud team and phone calls to various company help representatives, I was repeatedly instructed to call ( XXXX ) XXXX, which reportedly belongs to a third part unclaimed property law firm called XXXX. After attempting to reach an appropriate conclusion with XXXX XXXX XXXX I was informed that they had no knowledge of what I was talking about or why I was redirected to them, as my issue is not one that they handle in any capacity. I then called the Current help line once more to inform them that the number they keep redirecting me to is completely unrelated to my situation and requested that they simply tell me if the funds are still in the Current account and if not, then where did they send them, since I have not received any further assistance or the refund I am owed in over 4 months. The representative stated that since the account is closed, they have no was of seeing the amount that is still in it and that all they can see is the name, address, email, and account number associated with the account. 

I am filing this complaint as a last effort, hoping that CFPB can finally resolve this unnecessary situation and prompt the return of my funds to me. 
I am willing and able to provide any further information that will aid your pursuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting Act, Best Buy/CBNA account # XXXX has violated my rights. 


15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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.
Product: Money transfer, virtual currency, or money service

I was trying to sell a XXXX XXXX XXXX  on XXXX for my mother. On XX/XX/21, the buyer XXXX XXXX said he would send me a cashiers check. He then texted me saying that his accountant accidentally included his daughter 's allowance in the check and if I could send the extra money to his daughter and for me to keep an extra {$50.00}. I was asking {$110.00} for the jacket. The check he sent was for {$900.00}. When I got the check on XX/XX/21, I asked how can I send his daughter the difference. On XX/XX/21, he sent his daughter 's XXXX account info as XXXX Name : XXXX XXXX. I sent {$740.00} to that account. The next day on XX/XX/21, he texted me saying that his daughter does not want the jacket anymore. He requested me to refund the rest of his money and for me to keep {$20.00}. He gave me another XXXXXXXX  account XXXX Name : XXXX XXXX. I sent {$140.00} to that XXXX  account. I talked to XXXX XXXX XXXXXXXX on XX/XX/21, and they told me that there was a hold on the check he sent me. I have reported this case to my local police department, XXXX, XXXX  XXXX XXXX, and XXXX. Is there anything that can be done to escalate the case and recover my funds? 

Another case I'd like to report. 
Today on XX/XX/21, my mother wanted me to contact XXXX  customer service to resolve some fraudulent activity from my account. She found the number for XXXX customer service from a XXXX search. The person on the phone said his name was XXXX XXXX and that he would help get my money back from some previous transfers. I just have to follow his instructions. He had me download an app called XXXX. I followed his instructions. Then, he told me to open the XXXX service on my XXXX XXXXXXXX XXXX app. He said he was going to freeze my XXXX account. He provided me a phone number XXXX. A name with that phone number popped up- XXXX Then he told me to enter XXXX on the next screen and to click continue. The next thing I know I am sending {$490.00} to this number. He said my account was frozen and that I had to follow these instructions for verification. Then he had me download a XXXX app and XXXX XXXX from the XXXX XXXX XXXX. Then he told me to go back to the XXXX  account and repeat the process, but this time to enter XXXX. So the same thing happened again except this time I am sending {$490.00}. It sounded pretty fishy. So I later hanged up the phone. Is there any way I can get my money back?
Product: Mortgage

Loan Depot holds the mortgage to one of my investment properties. I called to set my account up on autopay and they confirmed that was set up. The auto pay was not in fact set up and I missed my payment. In addition, Loan Depot did not have my correct contact information on file ( incorrect phone number ) so I was not made aware when the payment was late ( this is despite me trying to correct my contact information multiple times previously ). No letters were sent in the mail. When I finally noticed that the payments were not being made, I immediately paid the past due balance and contacted Loan Depot to remedy the problem but they were unaccommodating. I had excellent ( over XXXX ) credit score and have never made a late payment- this mistake on their end has lowered my credit score tremendously.
Product: Mortgage

Mortgage Servicer The Money Source FHA loan Attorney General of Massachusetts involvement Forbearance option due to Covid 19 pandemic This issue arose in XX/XX/2020. The Money Source steered me into the wrong direction that profits them substantially and did not give me the option to pay back my missed payments. I contacted my AG for Massachusetts. My AG took an extended period of time trying to resolve this issue. I found this was a calculated effort because I found out from the AG himself that he was a mortgage servicer in the past, so I feel this is blatant conflict of interest. Plus it is hard to pursue much now because he knew that drawing out the time, it would make it more difficult for me to make a case of my own with my own counsel. Now I have a forbearance option that I was forced into by my servicer, an AG that helped their process, which makes it harder for me to refinance. 

XXXX XXXX
Product: Debt collection

So I was living in XXXX XXXX apt and I had to move due to raccoons being in the unit. I reported the raccoon situation to section 8 and since the apt failed to get rid of the pest issue I was issued a voucher to move... I moved out of the unit XX/XX/XXXX and in XXXX XXXX I got a notification that I had a new debt and I looked and saw that I owed XXXX and I also got a letter from IQ DATA INTERNATIONAL giving me a break down of the charges ..I reached out to XXXX at XXXX reality and let him know why I had to move and sent him proof and let him know that I dont owe any money that was XXXX I never heard back from him and he stated they would give me a call back after reviewing.. so around XXXX XXXX I went to the actual apt XXXX and spoke with XXXX in person whom was the apt manager at the time and she found the error they charged me for months when I was not there and she also was able to see my voucher for me to move.. she stated she was sorry and that the time I was moving out the unit they had just bought the entire property of XXXX ... XXXX moved me out the unit XX/XX/XXXX or XX/XX/XXXX via their system instead of XX/XX/XXXX XXXX stated she would correct the error and bring the matter to her boss to finalize things.. I have email correspondence between myself and XXXX and also my lease that I signed with section 8 and the new landlord and my voucher for me to move out.. XXXX did get notification that the assistance would be ending due to the raccoons and so did I everyone was aware that I would be moving and I dropped my keys XX/XX/XXXX and did my walk through... I do not owe them anything as this is an error on their end please help me get this resolved Ive attached the email correspondence with XXXX and XXXX and Ive also attached my housing voucher for me to move out of the unit and Ive also attached my lease with another property and section 8 my unit passed inspection and I left the same day no one should have to live with raccoons Ive also attached previous conversations with section 8 the email is ending in XXXX and Ive attached an email from the old company who owner XXXX at the time regarding the raccoons this company states that I owe them XXXX and now XXXX added interest and as of XX/XX/XXXX the amount is XXXX also this apt failed inspection 4 times so the state had no choice but to issue me the voucher to move
Product: Mortgage

Select Portfolio Servicing , Inc has declined assistance and will not review the workout package that was submitted. The reason for the default was because of the divorce and the ex-wife was living at the property without making any attempts to make payments has she was responsible. I have intentions of keeping the property and would like to be reviewed for a modification assistance and also a principle reduction as my property value its very low with a high principle balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I informed XXXX, XXXX and Trans Union of my address which is HC XXXX Box XXXX, XXXX PR XXXX, I also informed them of my employment, which is XXXX XXXX XXXX XXXX XXXX. 
On numerous occasion I have tried to informed these companies that the information listed must be corrected. 
I have not been successful as of yet.
Product: Debt collection

Company Name XXXX XXXX XXXX XX/XX/XXXX certified mail. I mailed a letter to the creditor and they signed my certified mail and no response back from them. XX/XX/12/19 certified mail to follow up on XX/XX/XXXX dated mail I mailed a second letter and still heard nothing back from them. The amount is {$800.00}
Product: Credit card or prepaid card

Submitted payment at XXXX of the month. 
Due date at XXXX. ( Starts interest ) Payment posted at XXXX. 
*not a late payment just time thats subject to interest Got charger about XXXX XXXX of interest for 1 day XXXXXXXX XXXX  This happened several months
Product: Credit card or prepaid card

American Express is in volition of 15 USC 1681 ( a ) the Fair Credit Reporting Act.

So, 15 USC 1681 ( a ) ( 2 ) ( b ) speaks under the exclusions except as provided in paragraph 3.

The term Consumer Report Does Not include ( a ) ( I ) - a report containing information solely as to transactions or experience between the consumer and the person making the report.

( B ) -any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

American Express is reporting this information on my consumer report making it inaccurate because this information is not included in a consumer report I have sent a letter to american express asking them to delete this information off of my consumer report.

American Express has responded with only billing statements of some alleged debt, ignoring my actual request.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX I was told an auto loan was opened in my name which I got a vehicle in XXXX/XXXX/XXXX. That vehicle is now reporting on my credit report as a repossession as well as reporting twice. I have called XXXX XXXX and XXXX. I was told by XXXX  that they verified the account and I can continue to dispute the same issue. XXXX also told me that they see that it is a duplicate account and the sad part about it, that I clearly states a duplicate account with the same account number I have also asked Global Lending Services for a copy of my contract and to no avail did I get anything from Global lending or XXXX which stated to me that they do n't have to verify anything with me what XXXX told me is that they only report what is given to them no matter If there are any issues I need to take that up with the company. No matter how many times that I explain that they are damaging my credit by reporting this same vehicle twice with 2 different amounts on it they said it would be nothing that they can do.
Product: Mortgage

After months in mandatory settlement conference, we received a trial modification agreement from XXXX XXXX, XXXX XXXX XXXX XXXX, owner of loan serviced by SN Servicing. The bank agreed to this trial modification at the settlement conference on XX/XX/XXXX and then again re-confirmed all details of trial modification requirements at settlement conference with court on XX/XX/XXXX. We have fully complied, paid agreed amount, the bank attorney and contract clearly states that bank demanded to escrow for taxes and forced place insurance, and we paid that extra money. BUT now attorney for XXXX XXXX is saying they will not pay the taxes, but still want us to pay them the funds for the taxes, and that we are required to pay the taxes directly to the country, in addition to paying them monthly for the taxes, or else they will put our house up for auction again. We have full complied, attorneys for XXXX XXXX took four weeks to get the agreed trail modification sent to us, despited the fact that all the details were agreed on XX/XX/XXXX, we only got final contract on XX/XX/XXXX, after several were sent with basic mistakes. We are in full compliance with trial modification contract we have made offers of partial cash offers, which have not been relayed by servicer to XXXX XXXX, they are now threatening to auction our home again, despited fact that we are fully compliant and paying them tax, the county taxes are not late as they have not paid them. When were were in foreclosure and they put our house up for auction last year, they apparently were not paying taxes, though they had filed with court to well our home. They wanted to sell our house, but did not wish to pay taxes. They never advised us they stopped paying taxes. In summary, we are paying taxes to them for escrow in our trail modifcication contract, which they requested, and is clearly stated in their contract, but they are not paying the country the taxes, and threatening to sell our home again, if we don't double-pay taxes. 

WE HAVE ASKED ATTORNEY SEVERAL TIMES FOR CLARITY ON ESCROW AMOUNT AND TAXES, AND WE ALSO HAVE ASKED WHY PARTIAL CASH OFFER WAS REJECTED. OR IF XXXX XXXX OWNER OF LOAN REVIEWED ALL APPRAISALS AND BOUNDARY DISPUTE LEGAL DOCUMENTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted numerous times and have disputed information pertaining to my equifax and XXXX credit reports. I have requested that the above credit reporting agencies provide proof on how certain accounts are verified and validated. To this date they have not provided information on how it was that they verified accounts that i have disputed. I have disputed at least 4 times in XXXX and have allowed the 30-45 days for the above credit reporting agency to properly investigate, verify and validate the accounts with proof. i have specifically disputed with the collection agencies as well and up to this day they are not able to validate or verify the accounts that they are reporting to belong to me. So i dont see how it is that the above credit reporting agency has validated and verified that the account or accounts belong to. The items have appeared on my credit report due to negligence on behalf of the credit reporting agency have ruined my credit report and reputation. i have struggled to obtain fair and competitive interest rates due to the misinformation on my credit report.
Product: Checking or savings account

MY ACCOUNT WAS CLOSED WITH OUT ANY NOTIFICATION, A DAY BEFORE I RECEIVED A {$250.00} DEPOSIT FROM MY MOTHER MY ACCOUNT WAS CLOSED BUT THEY STILL LET THE DEPOSIT HIT MY ACCOUNT. NOW I CANT GET ANY MONEY OUT OF MY ACCOUNT INCLUDING THE {$250.00} SHE SENT ME THE DAY AFTER MY ACCOUNT WAS CLOSED. I DINT KNOW MY ACCOUNT WAS CLOSED UNTIL I TRIED TO WITHDRAW THE {$250.00}. I ACTUALLY DIDNT KNOW UNTIL I WENT TO THE BANK AND THEY LET ME KNOW. THEY SAID I COULDNT ACCESS ANY FUNDS AND WOULD HAVE TO WAIT 60 DAYS FOR A CHECK. I HAVE PLENTY OF BILLS AND ITS UNFAIR TO ME THAT THEY GIVE ME NO REASON AND THEY ARE HOLDING MY MONEY.
Product: Credit card or prepaid card

A fraud complaint was first put into Barlcays in XXXX of XXXX. Over the intervening period the fraud complaint had to be resubmitted at least two more times because Barlcays continues to not fully address the issue. Now in XXXXXXXX XXXX XXXX Barclays has removed all of the fraudulent charges and most of the related interest and fees related to that fraud. BUT not all of it. Barclays continues to demand {$41.00} in late fees and interest for charges that it agreed are fraudulent. 

I attempted to address this with their President 's office by leaving a voicemail three days ago. There has been no contact back from Barclays. 

I expect Barlcays to remove these erroneous charges and to correct their reporting to the Credit agencies.
Product: Credit card

To whom it may concern, Only after weeks of using my new Wal-Mart master card was I given the option to opt out of personal information sharing including : Social Security #, income, account balance, payment history, credit history and credit scores. According to the supervising operator at the wal-mart credit card call center my personal information had already been shared. Furthermore, the letter informing me of my rights was apart from my billing statement. Seemingly hidden between some flyers in the same envelope. I almost threw it in the recycle bin without seeing it. If this is not illegal it certainly appears to be an attempt to deceive me and disseminate my private information without my permission. Thank you for your time and effort. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I called Experian and XXXX to report a fraudulent account open on my credit report. I submitted the submitted a FTC complained number that I have submitted to FTC to both credit bureaus Experian and XXXX. 
On XXXX XXXX Experian completed my dispute stating that it was not valid. So it took them 3 days to investigate. 
On XXXX XXXX, I received a response from XXXX, with the same information as Experian. The account that I have not open and that I have call XXXX XXXX that was not mine still on my credit file. I have a fraud alert on my credit and XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account number : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im using consumer credit card of Home Depot since 2012 Im responsible of my credit card They issued under my name because I apply the credit card & issued UNDER MY NAME & ON THE CARD my name is printed BUT IN THE CREDIT CARD SYSTEM IS UNDER MY SISTERS NAME I DID NOT AUTHORIZE OR CLOSE OR CANCEL MY CARD I call & INQUIRED THEY ARE NOT TELL ME REASONS I HAD BEEN CONTACT WITH MANAGEMENT PLEASE INQUIRE ABOUT THAT THANKS
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounT. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : XXXX - XX/XX/2023
Product: Debt collection

This company is calling multiples family members and neighbors and stating that they are filing legal actions against me. I spoke with them and stated that if they have all my information to please send to my mailing and I will have my attorney look at it. They continue to call different family members every day
Product: Student loan

Went onto the biller 's website last Friday and paid loans off in full. Biller, AES has my bank information saved in their system as they withdrawal my payment monthly. I clicked to use my bank account that was saved. A week later I was notified by AES that the bank rejected request and I would have to start again. I contacted the bank and after hours of investigating it was determined that AES had created an error when entering the ACH. When I contacted AES they accepted no responsibility, gave no options for payment, told me my account is in limbo for awhile and that they could not accept payment and when the system gets resolved I would be charged additional interest. I am left with no resolution and no method to pay this off today once and for all. I believe this is an unscrupulous business practice. No assistance provided whatsoever.
Product: Payday loan, title loan, or personal loan

- In accordance with fair credit reporting act XXXX XXXX - XXXX. Account number : XXXX - Has violated my rights - 15 USC 1681 section 602A states i have the right to privacy - 15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written consent and or instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be removed because according to 15 USC 1681 I have the right to privacy and I did not give Equifax written permission to furnish these accounts XXXX XXXX needs to be removed reported balance {$560.00} last reported XX/XX/2022 XXXX XXXX XXXX {$5900.00} reported last balance XX/XX/2022 please delete