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

On XX/XX/2020 Wells Fargo initiated a wire transfer ( # : XXXX ) through my business bank account ( for XXXX XXXX XXXX XXXX ) in the sum of {$6800.00} absent my authorization to an individual unknown to me, named XXXX XXXX. This money was sent through wire transfer from my XXXX bank account to XXXX XXXX at his Bank, Routing Number XXXX, account number XXXX. I was inadequately and improperly notified by Wells Fargo of this specific transaction, and when I went to dispute this wire transfer ( which took place on the eve of XX/XX/2020 ), I was advised by Wells Fargo that the money was already withdrawn from XXXX XXXX XXXX XXXX XXXX XXXX account early in the morning on XX/XX/2020. Thus, Wells Fargo did not take proper precautions to confirm this exact wire transfer, and XXXX XXXX never took precautions to hold this transfer of money in abeyance until such transaction was confirmed. It is my understanding under the federal and state banking guidelines that the appropriate time period should have been at least a 24 hour period for clearance of funds. XXXX XXXX reneged upon enforcing any fraud action against their customer, XXXX XXXX, and Wells Fargo disclosed XXXX XXXX ' address which is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, New Jersey XXXX and told me to go after XXXX XXXX myself, that because of Covid 19, they are not exercising all of their duties and regulations as what was more carefully done in the past. I expect as an American Citizen, that the banking regulations and laws would protect me in such a situation, and that it is their responsibility to do so and not have me personally resort to debt collection with an individual who clearly committed fraud and larceny under the law. XXXX XXXX, c/o XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX ( XXXX ) XXXX
Product: Mortgage

My mortgage loan was with XXXX XXXX ( XXXX ). XXXX sold my loan to Carrington Mortgage Services. The transfer of this loan was not done properly. I was notified that my loan was sold and that was it. I did not receive any other information about my new mortgage or from my new mortgage provider until they sent me a Monthly Mortgage Statement. Then I receive notification that I did not have enough flood insurance which then I was forced to purchased gap insurance. When asked why my flood coverage was acceptable by XXXX. I did not get a response, I was just told I need to increase my flood. So I contact my insurance agent to purchase additional insurance to meet the new lenders requirements. I sent them the endorsement that I had purchased the additional insurance. I received and email that they accepted my documents. So I thought the matter was solved. Then today I receive a new mortgage statement the the GAP flood coverage on my invoice. I do not believe that XXXX or Carrington Mortgage company complied with the requirement of notifying the homeowner. Causing me additional work, worry and money.
Product: Vehicle loan or lease

I have a car loan through Santander, they have repossessed my car XXXX times which led me to file bankruptcy because they will not work with me, the car has a negative equity of XXXX and they are asking for the full amount to be paid which changed from XXXX to {$13000.00} I really need my car and help resolving this issue they picked up the car recently XX/XX/22 and they will not accept payments. They are getting over on thousands of people I really just need my car back the rep I spoke to told me I have XXXX weeks to come up with the money.
Product: Credit reporting or other personal consumer reports

Transunion has the worst website and should not be allowed to have the same rights as XXXX and XXXX. The Transunion website has not worked for over a week. Customer service is horrible with long wait times and poor response. 

I received an email from XXXX XXXX  about a hacker attempt. I was told to freeze my credit and place a fraud alert. 

I was successful with XXXX and XXXX. Transunion should be held found guilty of contributing to fraud from hackers. 

Please try to log in to Transunion and please help innocent consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of below accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX # XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt belongs to ex spouse, due to court order in XXXX. I have let I.Q data know this information back in XXXX they refused to accept the information that was stated to them they are rude and disrespectful. I even tried to pay for some of the debt in XXXX, just so I can get an apartment, they refused to accept payment stating that I need to pay all of the debt. I have sent in this information from my divorce decree and still reporting this on my credit report. 

Also name is incorrect on this report, and date that it was reported is incorrect according to my credit report. 

In the first week of XX/XX/XXXX, someone went to an apartment that i was in and was looking for me, they went to the front office to ask for my information from the front office lady, telling them that they were inquiring about some land that I own ( I don't own any land ) she told them that she wasn't giving them any information, she described to me what he looked like. A few days later when I was taking my kids to school I seen the man in a dark blue vehicle outside of my gate. I was pulling out and he pulled in and stared at me. I knew it was the same person from the description that was given to me from the front desk lady. I don't appreciate being followed because I have small kids and I dont know what that persons intentions are
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # NA has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section 604 A section 2 : Is also states a consumer reporting agency can not furnish a account without my written instructions.

15U.S.C. 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other than records of convictions and crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I have PAID Charge-Offs with XXXX/XXXX, XXXX/XXXX, XXXX XXXX, XXXX/XXXX, XXXX/XXXX  as well as charge-offs that no one has been able to verify and PROVE that are mine with XXXX/XXXX, XXXX/XXXX, XXXX XXXX and XXXX XXXX that I have been disputing with the bureaus. I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of XXXX, Experian and XXXX, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by the bureaus to resolve anything. There's also data that was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. XXXX, Experian and XXXX must be held accountable and to the standards clearly outlined in the FCRA.
Product: Mortgage

Had storm damage to my home. My insurance company- ( XXXX XXXX issued a check for {$16000.00} to myself and my mortgage company ( PHH ) I endorsed the check and forwarded it to PHH XXXX XXXX sent me a copy of the check # XXXX showing it was deposited to a PHH account XXXX XXXXXXXX XXXX XXXX XXXX on XX/XX/2022. I have contacted the lost draft department of PHH and have been assisted XXXX XXXX she advised she had sent a request to corporate for research but no reply has been forthcoming. I have a contractor waiting for payment so he can order materials to begin repairs.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank CAPITAL ONE AUTO FINANCE Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX Inquiry XXXX XXXX XXXX, XXXX CAPITAL ONE AUTOMOTIVE Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry XXXX XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX CAPITAL ONE Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX CAPITAL ONE AUTO FINANCE Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX Automotive CAPITAL ONE AUTO FINANCE Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX CAPITAL ONE AUTO FINANCE Inquiry : XXXX. XXXX, XXXX CAPITAL ONE AUTO FINANCE Inquiry : XXXX. XXXX, XXXX CAPITAL ONE AUTO FINANCE Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX THESE ARE ALL UNAUTHORIZED HARD INQUIRES MADE ON MY CREDIT REPORT
Product: Debt collection

On XX/XX/18 @ approximately XXXX CST we received a call from XXXX XXXX from XXXX XXXX XXXX. 
Addresses XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX -and- XXXX XXXX XXXX XXXX XXXX, IL XXXX Phone : ( XXXX ) XXXX Mr. XXXX threatened to sue us regarding a balance he could not provide proof of debt ( because this matter was resolved in the XXXX ). Furthermore, this matter occurred over 20 years ago and would be out of statute even if legit. Threatening customers on out of statute ghost balances to intimidate them then following up with a settlement letters is one of the oldest most underhanded fear based tricks in the book.
Product: Debt collection

XX/XX/2019- The debt agency has been reaching out to my contacts multiple times a day, being really disrespectful, yelling at them and leaving mean messages. 
XX/XX/2019- i contacted the agency, questioned why was i never contacted directly, but instead reaching out to my references first. My references have advised me of the contact, i contact the agency directly. And the rep by the name of XXXX was super rude and threatening to file a law suit and even send " documents '' to my place of employment. 
XX/XX/2019- the repeated calls still continued early mornings to my references. I contacted the agency, and she basically advised me that she has no control of how many times this " third party company '' can stop calling. She refused to send me a attempt to collect a debt letter or anything in writing for that matter. And also refused to tell me who is this agency that keeps reaching out to my references multiple times a day. She told me that IF and when i did recieve documents that it would be too late for me to settle my debt. That at that time i would have to settle in court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint against on XX/XX/20. From XXXX reply, I learned that my credit report was checked for a credit line increase that I didn't authorize. I have a freeze and fraud alert on all three credit files. This complaint also consist of XXXX, XXXX, and Transunion releasing my credit reports without consent. 

The following are issues that XXXX needs to answer that were unanswered in the first complaint and prompt additional complaints. 
-- -- - ( 1 ). Why was an unknown email placed on my account without verification? My email address has always been XXXX. 
-- -- - ( 2 ). Why was my account reported to all three credit bureau agencies as delinquent? There were no delinquencies. Through automatic payment from an account that I no longer used, three payments were returned. I replaced the drafted payments, and I was charged return check fees, not late fees. The credit bureaus do not report return checks on accounts. It reports late payments. The account was paid in a timely manner. By law, I am supposed to be given time to pay for any return check payments. 
-- This unfair credit reporting violates the Fair Credit Reporting Act and debt collection. I will file a complaint with my State 's Attorney General Office for an investigation, and I will file a federal lawsuit if necessary to resolve this matter. As a result of XXXX inaccurate reporting my account as late, my credit score was lowered to XXXX. 
-- -- - ( 3 ). Why was my credit line decreased based on other creditors? I've never paid any of my creditors late.

-- My credit score has been negatively effected in terms of a low score of XXXX because XXXX lowered the credit line, which indicates to creditors that I used nearly 100 % of the credit lin, which is inaccurate. This is abusive credit card practice. 
-- -- - ( 4 ). In a tape recorded conversation, the representative indicated that XXXX would removed the return check fees due to my hospitalization. 
-- -- - ( 5 ). If XXXX attempted to contact me about the return payments, I would've been unable to answer the calls at my home resident. Beside my home phone number, my account provided a cell phone number. I never received any voicemail messages on my cell phone from XXXX notifying me of return payments, nor did I receive any letters. 
-- -- - ( 6 ). XXXX claimed that emails were sent to me at XXXX. This fraudulent email never belonged to me, and the name alone should've alerted XXXX of an account breach. Most importantly, I was never notified to verify a change in my email address. 
-- -- - ( 7 ). There has been security breaches with XXXX and XXXX. I question how XXXX accessed my credit report files with a freeze and a permanent fraud alert. I have not removed the freeze in over a year. 
-- If XXXX doesn't resolve my issues of concern, and my credit files doesn't report accurate information. I will be hiring an attorney to take legal measures for a resolution.
Product: Vehicle loan or lease

Ally Auto Finance.. i took out used car loan for 5 years at 12 percent interest car price XXXX with interest total owed was XXXX .... paid 9 payment at XXXX a month in XXXX and 12 months in XXXX i pad over XXXX new balance should be XXXX plus give or take but they state i still owe XXXX! My payment of XXXX has interest in it already! They wont change my total loan left that doe.. i only owe then maybeXXXX
Product: Credit reporting or other personal consumer reports

My report reflects fraudulent accounts and inquiries that I did not authorize, leading to a significant decrease in my FICO credit scores. Documentation from Experian and XXXX confirming my information was compromised in the breach is included with this letter. Following my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I request the immediate removal of these fraudulent accounts and hard inquiries. The circumstances surrounding these debts raise ethical and legal issues, involving fraudulent practices. I would like the following issues on my credit report rectified : XXXX XXXX : Opened : XX/XX/XXXX : {$22000.00} XXXX XXXX XXXX : Opened : XX/XX/XXXX : {$1600.00} XXXX XXXX  XXXX : Opened : XX/XX/XXXX : {$550.00} XXXX XXXX XXXX : Opened : XX/XX/XXXX : {$620.00} XXXX XXXX : Opened : XX/XX/XXXX : {$560.00} XXXX XXXX  : Opened : XX/XX/XXXX : {$680.00} XXXX XXXX XXXX : Opened : XX/XX/XXXX : {$380.00} Unauthorized Inquiries : XXXX XXXX XXXX ( XX/XX/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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account US DEPT ED # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
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 21 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, credit repair services, or other personal consumer reports

Experian has not properly investigated the following issues on my credit report. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Please see items below INQUIRIES 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 {$950.00} XXXX XXXX XXXX XXXX {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has ignored my mailed complaint disputing fraudulent and erroneous hard inquiries. This has gone on for several months. 

The first inquiry is fraudulent : XX/XX/XXXX by XXXX The second inquiry should have been removed already by XXXX as they had a glitch in their application processing and mailed me a letter explaining that the hard inquiry would be removed. I have attached that letter to this complaint so Experian removes it. XXXX posted a hard inquiry on my Experian report on XX/XX/XXXX. 

Lastly, its ridiculous how arduous the credit bureaus make the process of disputing inquiries, then ignoring the dispute requests.
Product: Credit card or prepaid card

I purchased a NETSPEND PREPAID XXXX XXXX XXXX AT XXXX ON XX/XX/2021. I tried to activate the NETSPEND XXXX XXXX XXXX, the NETSPEND XXXX XXXX  XXXX, told me toward my Social Security XXXX, Reference Numbers, and Drivers License, and Proof of Address by sending my Utilities Bills , Electric Bill, and Water. 
I was told to Email all the above information to XXXX. 
This information was sent via email. 
However, once all those documents was sent to NETSPEND Customer Service Documents, the employees of NETSPEND were laughing in the background, stated that they were not scribing my NETSPEND XXXX XXXX XXXX to pay Bills, and that they were going to use my information from the email to create fraudulent bank checking accounts, and apply for Fraudulent Passports, and Purchase Cards, and Houses, and Fraudulent Vehicles, and Vehicle Insurance Fraudulent Accounts. And that all United States of America are ignorant and can not protect their citizens from NETSPEND, which is an XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX BANK ) XXXX XXXX XXXX {$1500.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXXXXXX Balance : {$84.00} ; XXXX XXXX Balance : {$84.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$770.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX
Product: Credit reporting

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. Also attempted to contact XXXX XXXX XXXX per the address listed on my credit report and the letter got returned. I sent it to the bureaus and they ignored it. Please help if you can thank you. Also got a document from equifax that said it was not on my credi treport then i pulled on XXXX and its there.???
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid/settled in full a charge off on XX/XX/2018. Waited 30 days and disputed balance still showing 2 times with Experian. They say they investigated it and its valid. They also re aged the balance showing current dates which made my score drop. I have proof from collection agency showing XXXX balance. I would like the XXXX XXXX account deleted from my account. I am trying to get a mortgage and this false derogatory is hurting me.