23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2022 I deposited a cashier 's check for {$5900.00} into account XXXX XXXX at Wells Fargo Bank. I was told the funds would be available on XX/XX/2022. I called the bank every day and the finds were there. On XX/XX/2022 I bought a cashier 's check for {$4900.00}. When I got home my e-mail told me I had a deficiency in my account of about {$3000.00}. 

I went to the bank. They told me the cashier 's check was no good. They should not have told me the funds were in my account. Even the transaction receipt they gave me on XX/XX/2022 said the funds would be available on XX/XX/2022. It was from an out of state bank. 

I believe this is gross negligence on the part of the bank and they should return the {$4900.00} and the {$400.00} I also spent.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I pulled my Experian credit report and noticed a social security number variation being reported. I called Experian to find out what collections company was reporting the incorrect social security number. I immediately disputed the social security number variation via certified mail including all supporting documents. ( Not really needing to prove anything considering they know my correct social security number as I am a customer. ) On XX/XX/2018 I received an email from Experian informing me that my dispute was ready. Upon veiwing the dispute Experian states The dispute for the account with XXXX XXXX XXXX XXXX that starts with XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to Experian that the information is accurate. 

How can Experian use such a XXXX excuse knowing the number being reported does not belong to me, knowing it does not identify me. They have refused to fix this problem and I feel like my dispute was not investigated thoroughly otherwise they would not be allowing this collections company to report a fraudulent social security number on my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Please remove it from my credit report. 
The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
The following account is not mine AXXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
The inquiry was not authorized XXXXDate of inquiry : XX/XX/XXXX 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 Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter. 

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

Hello, DURING THIS COVID-19 PANDEMIC I WAS ENCOURAGED TO LEARN ABOUT PROTECTING MY CREDIT FILE AND PERSONAL IDENTITY. I WAS TAUGHT TO REVIEW AND INTERPRET MY CREDIT REPORT AND THE RELATED ACCOUNTS. AT THIS POINT I NOTICED A NUMBER OF MISINFORMATION AND ASSOCIATED ACCOUNTS THAT WERE FRADULENT. SINCE THEN I HAVE MADE SEVERAL ATTEMPTS TO REACH OUT TO THE INDIVIDUAL DATA FURNISHERS, CREADITORS AND BUREAUS TO FIX THESE ISSUES BUT TO NO AVAIL WITH XXXX  AND TRANSUNION. XXXX  WAS ABLE TO HELP ME BY REMOVING AND DELETING THESE ERRONEOUS ACCOUNTS AND INFORMATION. THIS INFORMATION HAS COME UP BECAUSE I AM IN JEOPARDY OF BECOMING HOMELESS  DUETO THE PANDEMIC AND IN THE PROCESS OF APPLYING FOR HOUSING MY CREDIT FILE INDICATED THIS ERRONEOUS INFORMATION TO MY SURPRISE AND THIS PROHIBITING ME FROM GETTING ME AND MY FAMILY HOUSED.
Product: Credit reporting or other personal consumer reports

I formally dispute the reporting of an XXXX XXXX XXXX  account on my personal credit file. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to ensure maximum possible accuracy in credit reporting. Including this business account, for which I am merely an authorized user and not the owner, constitutes a clear violation of this mandate, as I bear no financial responsibility for this account.

The inclusion of this account has severely impacted my credit score and, consequently, my financial and personal life. It has caused difficulties in securing financial opportunities, including higher interest rates, denials of credit applications, and undue stress. These consequences have arisen solely from the inaccurate reporting of a XXXX  account that does not belong on my personal credit file. 

Additionally, according to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), information providers, such as XXXX XXXX , are prohibited from furnishing information they know or have reason to believe is inaccurate. The attached documentation from XXXX XXXX explicitly confirms that this account is a business account, further substantiating that it does not belong on my personal credit report. 

I hereby request the following actions : Immediate re-investigation of this account in compliance with 15 U.S.C. 1681i ( a ) ( 1 ), including a review of the attached evidence, which establishes the account 's status as a business account.

Removal of this account from my personal credit file, as required under 15 U.S.C. 1681c ( a ) ( 6 ), to ensure compliance with accuracy standards mandated by the FCRA.

Please confirm the completion of your investigation and any corrective actions taken within the 30-day period stipulated under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 

XXXX : XXXX XXXX : XXXX XXXX XXXX, XXXX Responsibility : Individual Open/Closed Closed XXXX  Account number XXXX Individual Open/Closed Closed Date Opened XX/XX/XXXX Transunion Responsibility : Individual Date Opened XXXX XXXX, XXXX Date Closed XXXX XXXX, XXXX Thank you for your attention to this serious matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have checked my credit and notice incorect information being reported. I am not aware of any of these accounts being reported on my credit. I have been XXXX in XXXX XXXX   for 12 years and while gone didn't give anyone access to any of my personal information. I also receive XXXX and don't use my credit for anything. 


below are fraudulent accounts being reporting in my name. 

XXXX REPORT INCORRECT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX TRANSUNION REPORTING INCORRECT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MN XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX  REPORTING INCORRECT INFORMATION XXXX  XXXX XXXX XXXX XXXX XXXX, MN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed many claims with Transunion. I have an identical twin sister. Our first names are very similar. Our middle names are different as well as our last names. Our XXXX is XXXX digit off. My credit report has her stuff on it as well as my stuff is on her credit report. My credit was better than hers, but Transunion keeps putting her stuff on my report dropping my score drastically. Every time I dispute the result comes back you are this person when I am not. How many times do I have to correct them only for them to tell me oh thats you when it is not. Transunion sent me mail to my home address with my first name on it with my twin sisters middle name on it. They have made us into XXXX person and mixed our credit history together. Please help because this is hurting my credit. 
Thank you
Product: Credit card or prepaid card

There are four ( 4 ) unauthorized postings on my TJX Credit Card : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Each for {$38.00}! 

The alleged merchant : XXXX  XXXX  XXXX.XXXX XXXX  MN I NEVER heard of this outfit and NO nothing at all about it! 

BUT TJX CREDIT CARD refuses to stop this alleged merchant from charging my said TJX CREDIT CARD! AND SAYS IT SHALL TAKE UP TO TWO ( 2 ) MONTHS BEFORE IT DOES SO. OUTRAGEOUS!
Product: Checking or savings account

On XXXX XXXX A fraudulent loan company called me that I thought was legit. They offered to give me a loan that I needed at the time. I went through steps of buying gift cards from XXXX while staying on the phone with them. I gave them my account and Drivers License details ( assuming they were legit ). They asked me to check my account for a test deposit before they distribute the funds. I checked and saw the deposits ( which made me feel they were even more legit ). Once the test deposits were there, they had me refund them, on XXXX gift cards. They assured me my funds would arrive to my account by XXXX. ( My bank is Wells Fargo ). 
XXXX  came and went with no funds added to my account. I chased and called then felt the gut feeling I had been scammed. Sadly, I was right. I received notifications from my bank at XXXX saying that my claims had been processed. It took me a while to understand what had happened. I now see on my statements where the test funding came from. 
I called my bank hoping to solve the issue and nothing happened. 
I thought everything was fine since money hadnt been taken from my account. 

Suddenly, the next month ( XXXX XXXX ) my landlord asked me why requested a refund for the XXXX dollar rent I gave her ( back on XXXX ) via XXXX XXXX. I told her, I had no idea what she was referring to. She told me the money had been taken from her account without even accepting the request. I saw that the request was made on my XXXX ( without my permission ) and that it would be refunded to me on a certain day. 
I informed her of the information and told her I would give the money back ( refund ) once it hit my account. 
I also had a gut feeling that it wasnt going to come. I called my bank and XXXX to rectify the situation ( I told them I got scammed and also let them and XXXX know I never requested a refund or filed a claim ) and have been going in circles. 

The claims department did a reversal provisional credit on my account for all the Claims filed ( by the scammers when they did the test ). And now I am overdrawn XXXX plus XXXX that I need to give back to my land lady. : ( ( All because I trusted and thought I was with a legitimate company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent TransUnion dispute letter to remove the inquiries. I didn't get any response and they have not remove the inquires off my CR
Product: Mortgage

My Mortgage/Equity was placed on Auto-Forbearance without my permission. I continued to make Interest Only Mo payments as per C.A.R.E.S FHA RULING. 

I have had 10 reveiws for relief by subornination, loss of mitigation, SRCA VET settlement, Balloon, and now a SHORT SALE. WF has ruined my Fico Score to XXXX with Usury Charges. WF tried to balloon me earlier [ 2 mos ] before my XX/XX/2019 matured date? 

Still won't release my Lien after payoff Bal=XXXX?
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX, OH XXXX ; XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2700.00} ; XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XX/XX/year> ; XXXX XXXX XX/XX/year> ; XXXX XX/XX/year> ; XXXX XX/XX/year> ; XXXXXXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX  XXXX XX/XX/year>. According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have previously disputed this information with XXXX  however they have continued to willfully ignore my rights as a consumer and have not investigated this matter properly. I am now including new information in this dispute. In the attachments you will find a copy of my lease showing where I lived during this theft, a copy of my photo ID, a copy of the FTC identity theft affidavit and a copy of the notarized identity theft complaint provided by XXXX XXXX XXXX XXXX. 

The information being disputed is : Reported Information - XXXX XXXX XXXX This account was opened as a result of identity theft Reported Information - XXXX XXXX XXXX XXXX XXXX This account was opened as a result of identity theft I am disputing the following inquiries as I did not authorize them : Capital One - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Product: Student loan

Submitted my monthly payment with the XXXX XXXX XXXX in each amount of {$600.00} Dollars. 

Submitted XX/XX/2023 payment on XX/XX/2023 and it is still pending action. 

Submitted XX/XX/2023 payment on XX/XX/2023 and it is still pending action.
Product: Credit card

I have a Macys American express card setup with electronic statements. 
I have had this card for many years and have never been late or not paid the minimum balance. 
At some point about 3 months ago I no started to no longer receive these statements and did not notice At this point Macys began to call my house multiple times a day however when answering the phone there was nobody on the line and the dialer would hang up on me. 
When I contacted them they stated that my account was past due so I made a payment in XXXX to bring it current and let them know that I was not receiving electronic statements and to enroll me in paper statements. A few weeks after this I decided to payoff the account and made a payment of over XXXX dollars. 
A week later I receive a letter saying that due to being delinquent they were lowering my credit limit due to me not paying Which I know can be negative on my credit report. 
This takes us to XXXX of 2016. I receive a notice in the mail saying that my account has a balance of XXXX and is overdue. 
Once again I did not receive a statement either electronic or paper prior to this late notice. 

After years of being a good customer they are going to potentially cause issues to my credit report and score due to a billing error on their side.
Product: Bank account or service

On XXXX/XXXX/15 I opened a Discover Bank Cashback Checking Account. The mailing that I received said that I would receive a {$100.00} bonus if 1. I opened the account between XXXX/XXXX/15 and XXXX/XXXX/15 using offer code " XXXX '' and 2. a minimum current balance of {$1000.00} must be met within 2 weeks of account funding. Furthermore it said that the bonus would be issued as a credit to my account WITHIN 30 days of completing all requirements. I complied with all of it when I opened the account. The rep specifically asked me for the offer code which I gave. I printed a confirmation of the account opening listing all the information ( Acct #, name, address, funding info, etc. ) which did not mention the {$100.00} bonus so I called and spoke to a rep named XXXX ( XXXX E.S.T. on XXXX/XXXX/15 ). I said nothing was mentioned on the confirmation about the {$100.00} bonus and she said that my account showed XXXX and nothing was printed on the confirmation because that offer was n't available to everyone. I have an email dated XX/XX/XXXX saying that they rec 'd my request that my bank transfer {$1000.00} as an opening deposit which would be credited to my account within 3 business days. Deposit was shown in the account on XX/XX/XXXX. Today being XX/XX/XXXX ( 30 days since XXXX had 31 days ) and my account did not show the {$100.00} bonus, I called ( XXXX ) and spoke to a supervisor named XXXX who said that the reason I did n't receive the {$100.00} was because my account was n't coded for the bonus. When I said that they had asked me for it and that I had called XXXX to confirm it, he said she ( XXXX ) thought I was talking about a different offer. XXXX chances to code the account and neither one was done correctly???? Do n't they record all these calls?? XXXX then said he would file a dispute with customer service but that would take 6-8 weeks to resolve! So, now I have to wait another XXXX weeks for their decision? AND leave the entire {$1000.00} there until then?
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the Equifax and XXXX credit bureaus to confirm these records ( XXXX ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XX/XX/year>
Product: Checking or savings account

My card had been declined and I received a notification that it had and left it at that. The next thing I know when I check my account is that the declined transaction had actually gone through and I received an overdraft fee. 
Wells fargo said its up to their discretion, even though I've specified that I don't want any funds removed that will cause me to go negative. What they said they could do is do a partial reimbursement of the XXXX in fees, and the partial reimbursement was a total of XXXX. This call was made on XX/XX/XXXX The transaction for approximately XXXX was approved on XX/XX/XXXX as well as a transaction for approximately XXXX was approved on XX/XX/XXXX, and XXXX over draft fees were applied on XX/XX/XXXX, for a total of XXXX dollars. Then XXXX XXXX dollar transactions went through on XX/XX/XXXX and another XXXX overdraft fees were applied, also totaling XXXX all together.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Product: Mortgage

I bought my home with an FHA loan and it is with Ocwen. Ocwen is a bad company, they are terrible at communicating, they transfer me to XXXX and I talk to people who are hard to understand. They won't tell me what is going on with my homeowner assistance request and send me threatening letters about how they are going to sell my home. They are ignoring me and will not open up a review of my current financial information or assign an account manager. I have told them that things have changed with my financial circumstances but they don't seem to care and are just marching to foreclosure. I want to fix this and have enough income to make the mortgage payment now but need them to work with me. 

I bought my home in XX/XX/XXXX with an FHA loan backed by HUD that was with XXXX, then XXXX and has been with Ocwen for the last few years. I worked in steel fabrication management for over 30 years and made a solid living and had no issues with any bills or mortgage payment until my vengeful ex-wife got into my bank accounts and literally stole everything that I had in XX/XX/XXXX. This was a shock, I had no money to pay any bills and defaulted on my mortgage. I began borrowing money from friends and relatives to try and get caught up and was making double payments to Ocwen to show good faith., I ended up having my wife arrested and she went to jail for her actions. Just when I thought I was getting caught up on things I suffered a XXXX XXXX and was out of work. When I was ready to come back I was laid off. 

I tried to find a job in XXXX XXXX XXXX but due to my age I was not able to find that type of role. I ended up taking a security guard job at XXXX. Although I make less money, at least I have the means to pay my bills. I have been trying to get Ocwen to conduct a review of my current and correct financial information. As stated, I have a live-in girlfriend who contributes and I am working full time. Because of my low loan balance, I am certain that I qualify for loan modification, partial claim, special forbearance or even a repayment plan. However, instead of opening a new review and assigning a point of contact, Ocwen has chosen to put me in foreclosure and set a sale date. 

I was told that Ocwen is REQUIRED to conduct a review of the current financial information and allow me to be considered for these programs. I don't know why they have failed to offer this to me, why they have failed to assign a designated point of contact. I don't know why Ocwen will not communicate with me, and instead chooses to harass me with threatening letters. I want to fix this, I want to pay, but a review needs to be conducted. I can make a mortgage payment and can address the late payments as well if Ocwen would just give me the chance.
Product: Money transfer, virtual currency, or money service

Moneygram has no re-issue or re-purchase or refund procedure for the purchase of their moneyorder service. If the recipient refuses to accept the money order. You are likely out of the . This is an illegal and concealed illegitimate attempt at theft. Moneygram is set up like a criminal organization where by you can appear to make a transaction. But the rules of redemption are up to the criminal enterprise to deem correct. I can not take them back where I purchased them or to a bank to deposit them. Making the money order a one-way ticket. 

I understand this is normal in our self-regulatory system of criminal corporate XXXX but I'm still going to complain every time I get robbed by so called legitimate businesses. 

2021 MoneyGram. Licensed as a Money Transmitter by the New York State Department of Financial Services. XXXX XXXX XXXX License # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX. Licensed by the Georgia Department of Banking and Finance ; XXXX # XXXX
Product: Checking or savings account

they would hold my paycheck for a week and i would incur bank charges. even though the check cleared on the other end wells fargo would not release the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to a previous complaint, Experian JUST sent me results in the mail that DID NOT correct the MANY VIOLATIONS on my report! ( So, this is not a duplicate complaint -- it's in response to VERY RECENT POSTAL MAIL. ) They totally disregarded the violations! There are : accounts reporting as OPEN and CLOSED -- please explain how this is possible and why they're still on my report! There are accounts with multiple violations, including different dates, DIFFERENT balance amounts, DIFFERENT account open/close dates ... ..ETC.! Accounts with CONFLICTING INFO & VIOLATIONS ARE SUPPOSED TO BE DELETED. See attached document!!