23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfers

On XXXX XXXX, 2015 from my savings account at TD Bank located at XXXX XXXX XXXX, XXXX, ME I had an international wire transfer of {$3600.00} in XXXX funds to a bank in XXXX. The purpose of the funds were to pay for tuition of a student that was going to attend a prep school for college. On the TD Bank XXXX Outgoing Wire Transfer Form under Reference it stated : Tuition for the students name and his date of birth. The student had provided me with the schools account number, bank name and SWIFT account information in order to complete the wire transfer. The student obtained this information from a Financial Representative of the school. The name of the school is XXXX XXXX XXXX. ( See attachments ). The money was successfully transferred to the Bank XXXX XXXX into the schools bank account. During the week of XXXX XXXX the student advised me that in his discussions with the Financial Representative she had not checked with the Enrollment Department and had now told the student that the classes were full and he would not be able to enroll in the school. On XXXX XXXX, 2015 I went to TD Bank and asked them to initiate steps to have the funds returned. The bank representative said they would contact the TD wire department to request that the funds be returned to my account, reverse the transaction. The bank representative said the Bank XXXX XXXX may charge me for the wire transfer back to my account. According to a representative from TD Bank they advised me that the wire department had requested a return of the funds on XXXX XXXX, XXXX and XXXX however there was no response from the Bank XXXX XXXX. Currently I do not know if any other requests were made to the Bank XXXX XXXX for the return of the funds as I have been traveling and need to contact TD Bank for updated information. The Financial Rep. from XXXX school told the student that she was in contact with the Bank Manager at the Bank XXXX XXXX and requested the money be returned to the sender since the student was not enrolling into the school. On XXXX XXXX, 2015 after discussions with the Financial Rep. the student obtained a XXXX from XXXX. The XXXX states in part that XXXX rejected the {$3600.00} XXXX dollars that was sent by international wire into the XXXX account at the bank for the tuition for the student, as the student was not enrolled in the school. On XXXX XXXX, 2015 the student also took a copy of this XXXX to the Bank XXXX XXXX and provided the document to the bank manager. The student also sent this XXXX to me via email and translated the document from XXXX into XXXX. ( See attached ) TD Bank reps have advised me that this matter will be closed within 60 days beginning on XXXX XXXX when I requested the funds be returned to my savings account. TD Bank reps have stated all they can do is have the wire transfer department continue to request the return of the funds, but that if the Bank XXXX XXXX does not return the funds, there is nothing they can do. Basically TD Bank reps are saying that after 60 days I 'm out of luck if the Bank XXXX XXXX does not return the funds.
Product: Credit reporting

There are several incorrect addresses in XXXX, where I have never lived, on my credit report related to an identity theft that occurred in XX/XX/XXXX. There was a police report filed, and the financial credit issues have been dealt with by the credit reporting companies, but these addresses persist on my credit reports and are now being reported along with my background check information. I am a teacher, so I have background checks for my job. All XXXX credit reporting agencies are aware of the past identity theft, and have copies of the police report and all other related information. I would like all XXXX addresses removed from my credit report, as I have never lived in XXXX! The person who stole my identity was tracked to XXXX through the postal service. I have resided in XXXX since XX/XX/XXXX, and I lived in XXXX and XXXX before that.
Product: Checking or savings account

After I reported fraud on my account, my account was frozen. I warned bank at that time that I am expecting social sect payment in that account. The bank informed me that it wouldnt be a problem that they will open new account and will transfer my funds to that account. 
Almost two months later my social security is on frozen account and when I call I get transferred from one department to another.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX shows inaccurate balance for my XXXX account. Update not done every 30 days which penalized my credit report and credit score. As of XX/XX/2018, the accurate balance is {$22000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 credit bureaus are reporting negative information on my credit report and have refused to provide proof of validation. I have written to the respective agencies and companies that have put these items on my credit report. I have also spend hundreds of dollars to credit repair agencies and got nothing done. These accounts are from XXXX and XXXX, so I have suffered greatly over the years from lack of transparency from these companies that had refused to obey the law and guidelines of the fair credit reporting act. I am hoping that you all can intervene and please get these credit reporting bureaus to delete these invalidated items from my credit report so that my credit health can be justifiably restored unto to me. The incorrect stuff that is being reported on my credit report are as follows : XXXX XXXX, XXXX XXXX, the XXXX, and XXXX. Please asked these companies for validation which they have refused to provided me as directed by law. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. Experian, XXXX, XXXX, has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

According to the 15 U.S.C 1681, Section 602 A. States I have the right to privacy. 

These addresses do not belong on my credit report : 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: Mortgage

I am summiting this complaint for the reason that Nationstar is refusing to review my loan for the Hamp Tier 2. I have tried to work directly with them however they keep adding extra expenses or they do not use my whole income. I am not negative I make enough for an affordable mortgage payment. From {$4500.00} I am make per month Nationstar only use {$3600.00} they are deducting {$900.00} from my income making me deficit. I have explain many times in writing to Nationstar that I do not have any expenses for the reason that all my clients provide all the materials all I do is labor. There is no reason why they need to take {$900.00} from my monthly income. Therefore I am more than sure that Nationstar is using fraudulent and deceptive practices in order to deny my loan for any assistance. Therefore if this continues I will be forced to file a complaint with my Attorney General and report Nationstar to the FTC and FDIC Department.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and has a current police report on file with Chex Systems. The following reported information and inquiries viewed by others listed on my Chex Systems Consumer ID Report XXXX are fraudulent and unauthorized : XXXX XXXX XXXX$27.00}, XXXX XXXX XXXX XXXX, XX/XX/2022, and XXXX XXXX XXXX XXXX, XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

There are 5 accounts reporting on my credit that in fact do NOT belong to me. I have called them, filled out affidavits and I feel like a victim all over again. 
capital one bank acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i want to complain against EQUIFAX. a XXXX XXXX XXXX acct was turned over to XXXX XXXX XXXX  in XXXX, nc. i made an agreement in writing and have made all current payments on time since XX/XX/XXXX. XXXX has taken this acct off and i have a score of around XXXX. EQUIFAX however will not take it off and i only have a XXXX score on equifax. i want it removed just like it was with XXXX. again the complaint i want equifax to remove this acct from my report. all payments are caught up and on time with a mutual agreement in writing.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I made a payment of XXXX it took until XX/XX/XXXX to go thru then I see card was then never reloaded and I was it with three separate charges equaling Over XXXX XXXX  and then was told my account had been compromised for some time
Product: Credit reporting or other personal consumer reports

XXXX breach my information. Shared my credit report even thought I asked for a freeze and fraud alert. I was not informed, nor did I authorized use of my credit report to potential lenders. I disputed this information and XXXX still have it listed on my report. I received XXXX  for my collections but they are still listed on my credit report. This is supposed to be unlawful Wrong addresses on my report, wrong name on my report
Product: Mortgage

I recently, discharged from bankruptcy after 5 five years, I made all my payments on time. My compliant is with Specialized Loan Servicing, their information is not aligning with my statements I received from my bankruptcy attorney. Below is what my attorney sent me in an email and I also have hard copies to back it up ... XXXX Have reviewed the statements, and I am attaching the mortgage claims paid in full by the Trustee. It appears from the ongoing mortgage claim, your mortgage balance at filing was {$64000.00}. Through the plan, you have paid the mortgage company a total on the balance of {$45000.00}. On the arrears claim, you have paid through the plan {$11000.00}. That is a total paid of {$56000.00} thereby leaving an approximate balance on your mortgage of {$7800.00} ) Specialized Loan Servicing statement that I just received for the month of XX/XX/2021 is showing {$49000.00} like I haven't paid anything at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple accounts are reporting on my credit reports that is incorrect 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: Payday loan, title loan, personal loan, or advance loan

I did not know when applying for the loan that I would be charged extra fees on top of the payments I already make, high interest accrued each day on the account so the amount can never be paid of, also I did not know it was a revolving line of credit when I applied, I just wanted quick cash and to pay it off so I dont have to pay anymore. I contacted the company and they said only a small amount from the payments I make every XXXX weeks goes to paying off the balance and the rest goes to extra fees, I believe Credit Fresh is a predatory lender, which after I have researched on the company and other consumers have complained and wrote negative reviews about the company, saying the same thing has happened to them and could never get their balance down because they only put a small portion to the bill.
Product: Credit card

Dear Consumer Finance : I asked for Macys to renew my Macys credit card last XXXX or XXXX. Unbeknownst to me, Macys granted me two credit cards one the regular Macys and one a combination XXXX XXXX XXXX XXXX 

Last year I couldnt figure out my I was getting a bill from Macys when I just paid my Macys credit card. I drove to the nearest Macys store and the clerk informed me that I had two Macys cards.

Can Macys give me two different kinds of credit cards without my permission nor my awareness?

I wrote to Macys about how they created confused and have negatively impacted my credit score, which historically was in the XXXX. Macys stated that their credit report was correct, but they did not acknowledge the source of the confusion Macy 's granted me two credit cards when I asked for one. 

If I can, I have attached the letters to Macys, Macys reply and my credit report. I dont think any company should give customers two credit cards when I only asked and authorized one.

Macy 's responded to my request to take responsibility of the confusion caused by giving me two credit cards instead of one. Unfortunately, they did not acknowledge their mistake nor are they willing to correct the negative credit reports.

Is there anything you can do to help me?
Product: Mortgage

Hello, in XX/XX/2011 I applied for a HELOC loan through TD Bank. When I submitted my application TD Bank said I was declined for the HELOC because my debt to income ratios were too high. I said okay and that I understood. A day or two passed and the loan representative I was dealing with called me back and asked me if I paid all of my debts through a business checking account. I told him I did and then he asked if I paid my first mortgage loan, property taxes, and insurance through my business checking account. I told him I did and then he told me that TD will omit all of those debts and approve me for the HELOC. I am currently 5 months behind on that payment and being warned that they are going to foreclose on my home. I wish I never opened that HELOC and was wondering if I have a case against TD Bank for omitting all of my debts including my 1st mortgage so they can qualify me. 
Please advise. 
Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

I decided to contact the furnisher and the credit reporting agency in regard to my credit report. After I received no resolution, I filed a CFPB complaint # XXXX and after no resolution I filed complaint # XXXX. The credit reporting agency is being monetarily compensated and thus refuses to provide me with validation of the debt of the US DEPT OF EDUXXXX account XXXX XXXX, # XXXX, # XXXX, # XXXX, # XXXX, and the process used in such validation.
Product: Debt collection

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I decided to look at my credit reports from the 3 Credit Bureaus and found that this XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX ) was reporting to be negative on XXXX and XXXX Credit Bureaus. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 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

a bank of america card was open in my name recently that was not done by me. 
i reported to credit burea and also the company itself. i was told it would be closed XXXX says it will remain beccause the investigation shows it is accurate. i did not open a bank of america card this is not my card.. 

do they need to share why they beleive it was opened by me? 

I want this card removed from my credit it is fraudlent and not of my doing
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I wrote XXXX XXXXXXXX XXXX XXXXXXXX or at least attempted to via mail. Unfortunately, the letter was returned to me. This address was listed as their contact information on my credit report. So I flied a complaint as I'm trying to resolve the issue. On XX/XX/XXXX they responded back saying that letter was sent to their Virginia Office which has been closed for serval years and the credit reporting agency should not be reporting that address.
Product: Bank account or service

My wife, XXXX XXXX owns an IRA account at Capital one 360 which is an internetbank, formerly Named ING Direct. As a result of illness she has become XXXX andI have obtained her Durable power of attorney. As she has not taken her requireddispersment of funds for 2015 as required by the IRS, I contacted Capital one 360and attempted to do so. I was instructed to submit her Power of attorney by fax andI did so on XXXX/XXXX/2015 Sending it to their operations department as instructed. They Informed me that I should call back in five days for the power of attorney to be processed. 
When I called on XXXX 2015. I could not get any Information from them. Not even thatthe power of attorney had been received. I talked to an agent and later to his supervisor. 
the only thing I could get from them was that they wanted me to send them a notarizedform stating that I would not pursue any form of redress against them. Which makes methink that they are acting illegally. 
My wife 's customer number is XXXX. Her IRA account number is XXXX. Heraccount balance is in excess of {$17000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Report Act XXXX accounts XXXX and XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604A 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 purpose.
Product: Credit reporting or other personal consumer reports

My information was wrongfully gained by the companies listed below resulting in inquiries to my credit report. All of the following inquiries should be removed from my credit report immediately : 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 

The above noted personal identifiers are the only requisite reported ones that I authorize, please eradicate any allegations of any others that you might have and block any others from being report-ed, or demonstrate to me your regulatory right to retain as mandated by FCRA laws . I DO NOT AUTHORIZE you to retain ANY not MANDATED allegations versus me. ANY INFORMATION you retain or report MUST be mandated, true, correct, complete, timely, proven mine, of my re-sponsibility and otherwise compliant to any and every reporting regulation in my state or federal laws. 
Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit inquiries by Original Creditors on my consumer credit reports In the course of recently screening my personal consumer credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones de-ficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : 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 or other personal consumer reports

XXXX Upon reviewing my prior CFPB disputes and reviewing my updated consumer reports. 
I noticed that there are still some items reporting on my consumer reporting inaccuracies Wiith my student loans Please see the following accounts below : US. Dept of Education account # XXXX - Balance - {$8.00} - Status- ( Paid ) U.S. Dept of Education account # XXXX - Balance - {$2.00} - Status - ( Paid ) US XXXX Dept of Education account # XXXX - Balance - {$12.00} - Status - ( Paid ) U.S. Dept of Education account # XXXX -Balance - {$2.00} - status ( Paid ) There are three other student loans where are reporting inaccuracies as well.

Please see supporting documents
Product: Credit reporting or other personal consumer reports

The following names needs to be removed as they are inaccurate and incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX EXPERIAN XXXX XXXX The following " current addresses '' needs to be removed as it is inaccurate andincorrect XXXX XXXX XXXX XXXX XXXX, OH XXXX The following " previous addresses '' needs to be removed as it is inaccurate and incorrectXXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, KY XXXX Experian XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, MI XXXX The following " employer '' needs to beremoved as it is inaccurate and incorrect XXXX XXXX XXXX XXXX Date Updated : XX/XX/2023