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

On the XXXX of XXXX, 2024, my daughter received a message from USAA stating that her account PIN number for online access to her savings account ( jointly owned with me ) had been changed. She did not initiate any PIN change. By the time she was able to get back into her account and change the PIN back to something she knew and get access to see what was going on, she saw that a XXXX transfer of {$580.00} to XXXX had taken place, leaving her with only {$0.00} in her account. Since this transfer took place without either authorized account owners action or even any knowledge of the transaction, it seems obvious that fraud and theft was involved. My expectation was that we would be able to have this obviously fraudulent transaction reversed. My daughter could not get through to you in a timely manner, so I endured the hold times and reported the fraud to USAA. I followed up on that report when we found more evidence of fraud against XXXX in the form of identity theft, in that XXXX reported that there was an XXXX XXXX in XXXX that was logged into her email account. ( She logged it out and changed her password, of course. ) The only response we got from USAA was 2 nearly identical letters stating that there was no fraudulent activity detected and that no further action would be taken. This is, of course, outrageous.
Product: Debt collection

15 USC 1692c ( c ) If a consumer notifies a debt collector that the consumer refuses to pay a debt, the debt collector must CEASE all communication
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2016 I opened an account with Wells Fargo. In XXXX I received a statement reflecting a " past due '' amount which was double the monthly payment. I contacted Wells Fargo and advised them that I never received the first statement and that was the reason why I did not make the payment. Wells Fargo removed the late fee and I made the payment ( two months ). Approximately two years later I received a copy of my credit report and noticed that Wells Fargo reported a " Late Payment '' for the XX/XX/2016 payment. I filed a complaint through XXXX  and requested that Wells Fargo remove the " derogatory '' entry made with the credit bureau, they declined. I filed a complaint directly with Wells Fargo, they declined as well. In XXXX of this year, I applied for a mortgage loan and my credit score was significantly affected. I contacted Wells Fargo once again and filed a complaint with their " investigative unit '' and they also declined my request. Wells Fargo has negatively affected my credit and has reported a false " late payment '' which has caused me to face a higher interest rate in a home purchase which will close in 45 days. Wells Fargo has no proof that I received the statement, nor can they prove that I refused to make that payment. 

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

Upon having my credit report obtained there was a collection debt for {$91.00} with credence resource management. When confirming my address, Credence Resource Management did not have my Apartment number, therefore I had never received a bill from Credence ( nor from XXXX XXXX XXXX XXXX, the bill that went to Credence ) I paid {$91.00} to Credence Resource Management on XXXX XXXX,2018. I asked for a letter of deletion, thru said they dont do a letter only show paid in full on my credit report. I was told to call XXXX XXXX XXXX for the letter of deletion. I called XXXX XXXX XXXX  to be told they dont do the letter of deletion and XXXX XXXX XXXX  told me to call Credence Resource Management for the letter of deletion. I got the total run around from both companies.

This was their error. They didnt have my correct apartment number.
Product: Debt collection

DEBTORS MORTGAGE LOANS WERE ABANDONED IN THE XXXX XXXX IN THE DISTRICT OF DELAWARE BACK IN XX/XX/XXXX CASE # XXXX XXXXXXXX XXXX XXXX XXXX 
XXXX XXXX XXXX  XXXX AND XXXX, XXXX XXXX ATTEMPTS STEAL MY HOME OR PAY THE PAYOFF AMOUNT. XXXX SINCE XXXX BEEN RECORDING FRAUDULENT INSTRUMENTS INTO NEVADA CLARK COUNTY RECORDERS XXXX POSTING AUCTION SALE OF MY HOME UNLESS I PAY THE FRAUDULENT PAYOFF AMOUNT THIS XXXX XXXX, XXXX THE XXXX TIMES SINCE XXXX. I HAVE ALL THE PHYSICAL-FORENSIC-EVIDENCE-CRIMINAL-ACTIVITY-SIGNED-CONFESSIONS. POSTAL-MAIL-FRAUD IN XXXX  OF COUNTS. FALSE AND MISLEADING ENTRIES, FDCPA VIOLATIONS, MULTIPLE-TITLE 18 VIOLATIONS. I LOST MY DEAR WIFE IN XXXX IN THIS PROCESS.
Product: Credit reporting or other personal consumer reports

These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B- permissible purposes of Consumer Reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. I never gave any consumer reporting agency my WRITTEN CONSENT & INSTRUCTIONS to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of these accounts listed IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am demanding the deletion of the incorrect information listed IMMEDIATELY : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX PA, 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 XXXXXXXX, XXXX XXXX. I am demanding the deletion of the inquiries listed IMMEDIATELY : XXXX XXXXXXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I received a letter from the Attorney General of Missouri about my complaint on XXXX. According the letter XXXX sent to the Attorney General Office, XXXX has decided to keep violating my rights under the FCRA. I have disputed the information XXXX, Transunion and XXXX is furnishing several times. I have also sent XXXX, Transunion and XXXX the letter XXXX sent me, saying that the information is inaccurate. Also, from XXXX, Transunion and XXXX furnishing this information I have been denied credit on several occasions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following items on my credit report : DEPT OF ED/XXXX XXXX charge off account DEPT OF ED/XXXX XXXX charge off account XXXX XXXX DELAWARE XXXX late payment account XXXX XXXX late payment XXXX  XXXX XXXX XXXX charge off account I do not believe that these items are accurate and I am requesting that they be removed from my credit report. 

Regarding the charge off accounts from DEPT OF ED/XXXXT, XXXX have been making regular payments on my student loans and I do not believe that I have missed any payments. I would appreciate it if you could review my account and correct any errors that may have been made. 

As for the late payment accounts from XXXXXXXX XXXX DELAWARE and XXXX, I do not recall missing any payments and would like to see any evidence that shows otherwise. 

Lastly, I am disputing the charge off account from XXXX XXXX XXXX as I have never had a loan or any type of credit with this company. 

I request that you investigate these disputed items and provide me with a written response detailing your findings. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card

I discovered unauthorized, fraudulent transactions made via XXXX in my JP Morgan Chase Bank XXXX XXXX Credit Card statements. I contacted XXXX and requested information about the vendors, however XXXX refused to provide any information about the vendors, informed me that transactions were made online through XXXX accounts linked with my credit card and recommended that I contact my credit card company for chargebacks and further information about said transactions. Furthermore, XXXX also refused to provide me with information about XXXX accounts with which my credit card was linked and referred me for such information to JP Morgan Chase. 
I thereafter reported all fraudulent transactions to JP Morgan Chase and disputed all fraudulent charges. 
I also filed a police report about Identity Fraud and these fraudulent XXXX transactions on my Credit Card. 
Initially, JP Morgan Chase credited back all fraudulent charges into my account. However, a few weeks later, JP Morgan Chase reversed all credited transactions, despite that these transactions were done fraudulently and without my consent, authorization or knowledge. 
Instead of protecting my interests and investigating the fraudulent transactions, JP Morgan Chase just referred to my police report in which I alleged that all unauthorized transactions are suspected to have been made by my former employee, whose employment was terminated from my office. 
Instead of providing me with any XXXX and vendors ' contests of my request for chargebacks and any supporting evidence about the validity of said transactions, Chase just concluded that transactions are not fraudulent from the Chase 's point of view because the suspected person of theft of my identity and credit card fraud could be my former employee. From the Chase 's point of view, transactions are only recognized as fraudulent if they are made by strangers. 
I called several times to supervisors of JP Morgan Chase Bank Fraud department and left numerous voice messages attempting to resolve my disputes, however, my calls were not returned. 
More than three months have elapsed from the date when I reported all these fraudulent transactions, however, to date, Chase has not responded accordingly to the seriousness of this issue, nor has Chase assisted me in any way to resolve the matter. 
In fact, I have never received any correspondence from Chase pertaining to my dispute of fraudulent charges and its investigation. 
I respectfully insist that all fraudulent transactions be removed from my account and the payments made on such transactions be credited immediately back into my Chase account. Alternatively, if Chase is still investigating the matter, I insist that payments and interest related to the fraudulent activity be frozen until such time as the matter is resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted my request for Income-Driven Repayment Plan on XX/XX/XXXX, I received confirmation of approval on XXXX XXXX. Approval for repayment amount is currently {$0.00}. Since the approval XXXX has reported past due/late payments for XX/XX/XXXX - XX/XX/XXXX. I called to inquire about the incorrect data being reported to the all three credit bureaus and have been advised to submit supporting documents, which I have via fax and uploaded the documents on my XXXX account. However due to the inaccurate reporting my credit score has decreased drastically and I have been denied for a home loan due to the most recent late payments reflecting on my credit report. Please provide assistance. 

XXXX has responded with an update as of XX/XX/XXXX. Document attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a complaint about an account listed on my credit report that was never updated after paying the balance in full to the collection agency assigned to it. I have already tried resolving this directly with the original creditor, the collection agency and Experian with no resolution because each organization states it is not their responsibility to report my payment for their own specific reasons stated below : XXXX states that the amount was charged off and the account was closed/sold to XXXX so they no longer report any updates. 
XXXX states that although I paid them for this debt, they can not report the payment under XXXX as they are a separate company. 
Experian states that their function is only to gather information from the original creditor ( XXXX ) and they have to go by what they say, which is no updates available. 
I understand that I fell behind on past obligations and I am ashamed of myself for those issues. There was a period of time where I had unfortunate circumstances that led me to credit issues but I worked very hard to recover from them and I eventually paid the debt I was responsible for and Ive rebuilt my credit. I did not realize that this account was still showing as unpaid until I was just denied employment because of this outstanding issue. At this point I am begging someone to please report this account as paid. 
The account listed on my credit report is XXXX, the collection agency I paid in full is XXXX XXXX. I have the letter showing that I satisfied this debt and it is attached to this complaint.
Product: Debt collection

XXXX XXXX keeps calling me and my family members. They have called my place of employment. I have asked for a letter and have received nothing. They keep calling after I asked them to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in violation of federal law under the Fair Credit Reporting Act. Under FCRA 15 USC 1681b-Permissible Purposes of Consumer Reports ( a ) IN GENERAL. 

Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I never gave you any written instruction to furnish a consumer report, No content is identity theft. A copy of the identity theft report as marked Exhibit A attached. 
Furthermore you violated 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ). I was not treated fairy and these unfair credit reporting methods undermine my confidence as a consumer which is essential to the banking system and the banking system is dependent upon fair and accurate credit reporting. My reputation, character, credit standing, credit capacity and credit worthiness I have not been able to obtain credit, insurance, employment or housing as well as suffered from mental anguish, stress, XXXX and marital problems. 
You have prevented me from extending credit and stopped by livelihood by violating my rights to consent and privacy.

Fairness, impartiality and a respect for my right to privacy was not extended to me. 

I have contacted the Attorney General 's Office, XXXX and the CFPB numerous times and nothing has been done about the violation of my consumer rights. 

You furnished a consumer report without my written instructions and furnished information that was not fair nor equitable to me. You furnished alleged debts owed without validation and had no regard for confidentiality by making vital information public. 

An attachment labeled Exhibit A as proof is attached.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt XXXX and would like for all listed account to be blocked and deleted company information from Experian. 

Please delete the following account : XXXX XXXX Account number : XXXX Balance : {$570.00}
Product: Credit reporting

My complaint is against the credit bureau Transunion. Several attempts have been made to all XXXX credit bureaus in an attempt to have a negative item removed. Transunion has failed to sign the receipt for certified mail, my letter has been returned to me by my local post office. I have sent them my request for Transunion to investigate my dispute by regular mail and have received no response. 
They have repeatedly failed to properly investigate my dispute and I have provided more than enough documentation to prove my claim is true and accurate. Had Transunion seriously investigated my claim, they would have found the proof of the error is in the credit report itself. 
In my credit report in the " Closed Account '' section, there is an account with XXXX 's ( XXXX XXXX ). The information states ; ACCOUNT OPEN XXXX/XXXX/XXXX, LAST PAYMENT XXXX/XXXX/XXXX, CLOSED ON XXXX/XXXX/XXXX. 
XXXX XXXX XXXX acquired the debt at some point and fraudulently re-aged the debt. On the credit report, they have FALSELY reported the following ; Account ( XXXX XXXX XXXX ), DATE OPEN XXXX/XXXX/XXXX, DATE OF FIRST DELIQUENCY XXXX, DATE OF FIRST MAJOR DELIQUENCY XXXX. 
Transunion is in violation of several Federal Laws and has neglected to properly investigate my claim. From my understanding of Federal Law, Transunion is obligated to do the following ; Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. 
Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. 
You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.
Product: Checking or savings account

I deposited {$11000.00} on XX/XX/XXXX and was not warned my funds would be held. I chatted in yesterday and was told it couldnt be released, and my funds would be held until XX/XX/23. When I asked to speak to a supervisor I was told I had to call in Super inconvenient to switch contact channels but whatever. The supervisor I spoke with stated that even though she could see that my funds were verified and received by Marcus by GS from the transferring institution, my funds would be held anyway. Typically banks hold funds for 1-3 business days but to hold them for 6-7 business days?? Its absolutely ridiculous! Especially since Ive transferred amounts much larger than this from the same transferring bank!! Nothing has changed from the transferring bank into this account, Ive NEVER had any deposit return, and this account has been open for over a year! I do not see the justification for holding these funds. I only intended to hold the funds there temporarily until I could plan what I needed to do with the funds.

I need these funds released so that I can pay off my car. Each day that goes by with Marcus by GS holding my funds is another day interest is accruing. Does Marcus by GS intend to pay for the accrued interest due to the unjustified hold??

Never once was I told there would be a hold until I actually hit transfer and it was completed. Had I know it would be held I never wouldve transferred it to this shady company. 

I need my money ASAP and I ABSOLUTELY WILL be terminating my relationships with GS.
Product: Checking or savings account

Had a few unauthorized transactions on account. When I first noticed something it was international charges I called the 1800 # and she asked if I made a purchase From a site frm XXXX XXXX I said yes cause I did and she informed me tht where those charges came from. Next I went to make pay for some in XXXX XXXX realized I didn't have my card on me the young lady informed me I can use XXXX XXXX  which I tried but but couldn't make transactions due to them saying the phone device they had on file was incorrect so I went online to check and saw my account was hooked up to an XXXX which I never owned and at the time I notice the email they had on file wasn't mines either. I was able to change the mobile device online but was instructed to go inside the Branch to change email so I did ... The next day I wake up my account is XXXX I call the 1800 # they told.me to go inside the branch. So I did when I went into the branch she looked into my account and said I wrote check for XXXX and took funds out equaling XXXX which wasnt true I never owned checks. When she printed the check it was from XXXX I never been to XXXX and when I saw the signature on check it wasn't my signature and name was misspelled. I was told to go file a police report which I did and brought back the same day.. it's been since XXXX and I really have gotten any help besides the run around ... I've never been negative and never took large amounts frm the Atm I don't even know why this was allowed without being informed about transactions since these transactions was out the norm for my account ... Nothing as been done and its been since XX/XX/XXXX at Regions Bank .
Product: Vehicle loan or lease

Issue is with XXXX XXXX XXXX, specifically XXXX XXXX in XXXX, Ohio. 

Had a 3 year lease ( XX/XX/XXXX - XX/XX/XXXX ). Turned car into a local Hyundai dealership in XXXX because they said they're the same company ( XXXX XXXX XXXX and XXXX XXXX XXXX ). Never received a bill or communication from XXXX after that point. At this point all of my communication with XXXX XXXX was through paperless billing ( email ) or mail to my then and now current address ... 

XXXX XXXX XXXX, XXXX, OH XXXX ( Skip ahead a year ) My girlfriend and I applied for a mortgage and were declined because my credit score was in the 620s. When I leased my current car and turned the XXXX in ( XX/XX/XXXX ), my credit score was in the 720s. Our  mortgage lender told us I had an unpaid bill from XXXX so I contacted XXXX XXXX. They had charged me {$60.00} for wear and tear, which is completely acceptable. But they also charged me {$450.00} for a " re-stocking '' fee. I believe that is the terminology they used. 

We can obviously debate how scam-like a concept that fee is but that's not the issue. I paid the fee as soon as I learned about it in XX/XX/XXXX. Idiotic but whatever it was probably in the fine print. 

The problem was that they charged me a fee, never told me about it and sent it to collections twice without me ever knowing, for a year. And that is what killed my credit score and my specific issue. I have not been able to get a credit card since and build my credit back up because of it so I'm asking for help in dealing with XXXX XXXX, and that specific " ding '' on my credit report. 

When I spoke with XXXX they said all of the communication had gone to my original lease address ( 3 years prior ) ... 

XXXX XXXX XXXX, XXXX, Ohio XXXX ( I think this is accurate ) ... and even though they had my current address had only sent mail to the one they knew I was no longer at. They also could have easily communicated with me through email since I was registered for wireless billing. Essentially from my standpoint, they billed me something outrageous for no reason and then compounded it by knowingly sending the only communication to and old address I would never receive. 

After immediately paying the bill, XXXX XXXX told me they would sending a letter to the credit bureaus explaining the issue so I wouldn't be screwed by their negligence but that apparently never happened.
Product: Mortgage

On numerous occasions I have call to resolve any issues with taxes or Insurance increases on my account. I have spoken with many representatives, all giving me the wrong information and telling me the issues has been resolved, only to receive a reversal on the fees they took off my account. All of which I would have paid if told or given the correct information. I get a huge bill for late fees fir over a year! 
No one every communicated correct information about my account or late fee occurring. If I had know I would have paid them. Only to find out my payments were sitting in my Escrow account allowing large late fees to continue to increase. I think this is taking advantage of the comsumer only to benefit them.