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

On XX/XX/XXXX I was alerted to changes on my account without my permission. I contacted my bank who told me they would lock the account and escalate the issue as my email, password, and phone number had all been changed. I maintain access now only through XXXX  login on their app. 

A few hours later two charges for XXXX were placed on my account for over XXXX XXXX. I contacted them via their online chat. They told me there was nothing they can do and to call the support number and ask to be transfered to the fraud team. I called, and was told their fraud team does not take calls and will contact me via email. I spoke with a supervisor and they told me they would investigate the chat logs as the person I chatted with gave me wrong info. It has been 3 days. I still have no way to change my account info as it either requires the password that I don't have and if I try to reset it it prompts to text the phone that is not mine or end a code to the email that is not mine. 

I still do not have my XXXX back to even try and transfer to another account so I can pay my rent. I have no heard from their fraud team and I called today XX/XX/XXXX for any updates and they seem to have yet to touch my case. I still can not speak with anyone from their all powerful fraud team, nor can anyone but them help me update the info on my account to prevent this person from further accessing it.
Product: Prepaid card

Someone used my prepaid card. I contacted them immediately and told them that I was working at the moment, and I asked them to stop the transactions. Ive already sent them proof. But they told me to speak to the store, and the store told me that they cant do anything. Several days have gone by nowthis happened on XX/XX/2016, and I still dont have an answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX XXXX XXXX by phone in XXXX to request they correct my credit report. My loan is being reported 30 days late for the months of XXXX and XX/XX/2022. I was never late. I Disputed this error with the credit bureaus results come back verified as accurate. Im attaching proof that XXXX approved me for the loan extension for those 2 months. No payment was due. I need this corrected immediately my score just dropped significantly and I am incurring damages. Being denied apt now.
Product: Debt collection

Line of Credit was discharged in bankruptcy. 

IndyMac Bank ( now owned by OneWest ) did not and will not remove a lien they have on our home despite the fact that they themselves acknowledge that the debt has been discharged, there is no account for the collection of the debt, and they have reported to the IRS that the debt was cancelled. 

( Letter and XXXX from IndyMac are attached. ) Beginning in XXXX 2014, despite numerous attempts by us and by XXXX attorneys whose assistance we sought to resolve this, IndyMac and now OneWest are unresponsive. 

We can not refinance or sell our house because of the lien. This is causing a financial hardship.
Product: Bank account or service

US BANK TOOK XXXX FROM MY ACTIVE ACCOUNT DUE TO A FRAUDULENT ACCOUNT THAT WAS OPEN WITH OUT MY PERMISSION. XXXX WAS OPEN BY A WOMAN NAMED XXXX XXXX WHO RESIDES IN XXXX ILLINOIS. 
I INFORMED US BANK OF FRAUDULENT ACTIVITY AND I WAS UNDER THE IM- PRESSION THEY SETTLE THIS MATTER. THEIR WAS A CARD ALSO ASSOCIATE WITH THISFRAUDULENT ACCOUNT. WHERE THE OFFENDER XXXX XXXX USED THIS TO GAIN FUNDS. I NEVER GAVE HER OR PROVIDED HER WITH ANY OF MY INFORMATION NOR DID GIVE HER ACCESS TO MY SOCIAL OR ETC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX  XXXX {$5500.00} XXXX XXXX {$2700.00} USDEPED XXXX {$31000.00} XXXX  XXXX XXXX {$640.00} DPT ED XXXX XXXX {$68000.00}
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. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Per Fair Credit Reporting Act FCRA as a FEDERALLY PROTECTED CONSUMER, I am now opting out of ANY AND ALL authorization, I the consumer may have given you written, verbally or unwritten or nonverbal per 15 USC 6802. 


Best, XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Hello XXXX, I hope all is with you, My name is XXXX XXXX, on XX/XX/XXXX I bought a car XXXX XXXX XXXX with about XXXX XXXX- on XX/XX/XXXX I was driving- I exsited the XXXX XXXX  XXXX XXXXXXXX XXXX - as I did so the Car STOPPED, I had to have it towed at my expense. 
: I called the company that bought the above mentioned car from XXXX XXXX which is located at XXXX XXXX XXXX XXXX, XXXX FL XXXX - Phone # XXXX XXXX XXXX they were the one who informed me to that I need to have it towed to the location where they have their mechanic diagnose the car. 
: I have multiple times since then without any solution to the issue. As of today, XX/XX/XXXX the company is telling me that in order for the car to be FIXED I need to contact my Insurance company to get it done as they want to be sure there was no WATER DAMAGE - You can imagine my surprise. I asked how can there be WATER DAMAGE, He said that he is not saying there IS WATER BUT THERE COULD BE AND THE INSURANCE COMPANY WILL FIX IT. 
They also want me to GET THE CAR or they are now going to start CHARGING me for STORAGE - I have to move it back to my home. XXXX XXXX  for empasis
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included in the screenshot inside this complaint in on dates of [ XXXX  ]. Please investigate and provide proof of with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks please see screenshot attached :
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I purchased - or I thought I purchased - a XXXX XXXX from XXXX XXXX. I was given a temporary tag even though I had a valid tag from a previous vehicle. After 30 days, I was given another temporary tag. I attempted to have someone in XXXX transfer my valid tag to no avail ; the vehicle was registered to someone in Indiana. I went back to the dealership and ... ... .surprise! They were shut down for fraud. I continued to pay the monthly payments to AUTOMOTIVE CREDIT CORP. XXXX is theis headquarters number in Michigan. As of XXXX of XXXX, they still were not sure of the ownership at which time they sent me a verification of VIN paperwork, which I provided to the Florida XXXX University police dept ( I believe ) i subsequently forwarded to ACC. Along with the vehicle giving me issues and the confusion regarding lien holder or title, I requested they come and get the vehicle, I'm not sure of the date possibly a month or so after. On time payments were reported until XXXX of XXXX. I was informed by ACC that I did not give them enough time to research and they've decided not only to butcher my credit but also to sue me. XXXX XXXX XXXX XXXX XXXX at XXXX. Apparently there is a judgment? I no longer live in the state of Florida. It's been extremely frustrating, why would I be responsible for a loan that was tied into this dealership? This financing was set up by the dealership, not me. I believe they should go after the dealership as another 100 customers did.
Product: Credit reporting, credit repair services, or other personal consumer reports

Now that XXXX has let my personal info out, I went to freeze my credit with the credit bureaus. XXXX and TransUnion are chaging me {$11.00} and {$10.00}, respectively. This is outrageous! And I will need to pay this every time I want XXXX of their customers to use their credit file to decision me. TransUnion even has a waiting period for the unlock to occur! This is unacceptable. I am not going to pay $ XXXX to apply for credit. 
This should be a free service that is paid for by the credit bureaus as a collective. They should be required to develop an app for phones so consumers can quickly and easily unlock credit files or individual companies or all three.
Product: Credit card or prepaid card

amex serve debit card used as deposit sales account with XXXX XXXX items sold paid for by customer money fails to depost into corresponding account
Product: Vehicle loan or lease

Hello XXXX, Your XXXX XXXX account is currently past due If payment is not received by XX/XX/year> we will begin the repossession process. The total amount past due is {$1100.00}. 

Contact us today to discuss payment options and other ways we can assist you with your account. 

Thanks, Bridgecrest
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Experian has violated my federally protected consumer rights with the below negative accounts. 15 US Code 1681 states I have the right to privacy and confidentiality and that a consumer reporting agency can not furnish an account without my written permission or instructions. XXXX XXXX, XXXX Partial acct # XXXX, XXXX XXXX XXXX Partial acct # XXXX. Please see attached****
Product: Debt collection

I am submitting this complaint because I am being extremely affected by FAIR COLLECTIONS & OUTSOURCING , INC . They are being completely unfair and I dont know how to get ahold on them but through this portal. 

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 

I was misled into paying the collection and told account would be deleted if I paid and were excessively harassed and called and forced into paying the debt. 
Even though I stated that their gross overcharges and contract breaches from the original creditor XXXX XXXX, and the collection should have never incurred as my account was settled as it was closed with them. 


Account Information : Account Name : FAIR COLLECTIONS & OUTSOURCING, ING. 
Account Number : XXXX Account : Type Collection Date Opened : XX/XX/2017 Please see attached. 

Remedy : Deletion account from all credit bureaus.
Product: Checking or savings account

XX/XX/2021 - I approached a Wells Fargo ATM outside my local branch in XXXX XXXX, California to deposit {$5100.00} to cover a check I had just wrote in the same amount. 

The machine displays a sign warning the machine can only accept XXXX bills at a time at which point I inserted XXXX {$100.00} bills into the deposit compartment, something I often utilize. 

The machine sounded different than normal while counting the money and promptly showed an error machine jam message. It then asked how much did I deposit? I entered {$3000.00} and the machine gave me a receipt showing {$200.00} available now and the remainder the following day. 

The following day I logged into my online account portal only to learn there were additional issues. It reflected {$1000.00} deposit and a WITHDRAW of {$2000.00}!! 

This made absolutely no sense to me at the time so I called into Wells Fargo Customer Service Line and after working my way through the extremely frustrating automated system I finally get a human to look into it and after a few on holds and a chat with his supervisor I was informed that it would show the correct information by XXXX ( the following calendar day ) That leads me to today, I checked yet again and yet again it has not changed. I called in and spent more than 2 hours on the phone to speak to 3 different people. 

All three shred the same information, the only I can do now is make a claim and wait up to 10 business days for them to review and investigate and if they determine a credit is owed they will at that time issue a credit for the money that they currently have in their possession. 

I feel this is unethical and possibly illegal. There is no warning anywhere on, near or within the ATM that warns this can happen. I had no way of preventing this from happening. Had it been warned that the ATM machine WELLS FARGO owns and operates could do this! Moreover, if I had know the ramifications I would experience if their machines malfunctioned I would never had used it. 

I was assured the claim is NOT FAST! I was told Wells Fargo gets thousands of complaints " just like this '' some for merchant issues and some are for fee complaints etc.. I was dismayed that the people they have in claims and dispute resolution feel a situation like this is comparable to that of a complaint against a merchant or a customer complaining about a fee they probably owned.

This bank is a JOKE! FRAUD! WELLS FAGO CRIMINALS!
Product: Mortgage

Around XX/XX/XXXX or XX/XX/2016 I called Nationstar Mortgage and told them that I 've mailed via USPS Certified Mail a payment in the amount of {$6900.00} which was the total amount due to cure the default/delinquency. I even offered to give the USPS Certified Mail Tracking Number to the Nationstar Representative, but she told me that it was not necessary. The Representative told me she would enter this information ( payment being sent ) in the system. And that everything was good ; that the property is not in foreclosure. 

XXXX XXXX, 2016 I called Nationstar Mortgage to check on the status of my file. The Nationstar Representative tells me that Nationstar referred the file to Nationstar 's Foreclosure Attorney on XX/XX/XXXX ( one or two days after I spoke with them ) and that they were returning the {$6900.00} payment I made. The representative told me that now, in order to cure the default - I need to send Nationstar Mortgage {$8500.00} plus any Attorney Fees and other fees that Nationstar Mortgage had advanced. And that I had until XX/XX/XXXX to come up with the additional monies. 

Incidentally, the Nationstar Representative told me that she would request from Nationstar 's Foreclosure Attorney the amount of the attorney fees they charge ; which she added, could be anywhere from about {$200.00} to {$2000.00} or more depending on what the Foreclosure Attorney charges ; that she would know the exact amount next week. But one thing is for certain, I had until the end of the month ( XXXX XXXX, 2016 ) to come up with the additional monies. 

To re-iterate, during my phone call around XX/XX/XXXX or XX/XX/XXXX, Nationstar Mortgage lead me to believe that everything was going to be fine and that I had nothing to worry about. But on XX/XX/XXXX, I was shocked to learn that Nationstar Mortgage is foreclosing. I performed and paid in full the {$6900.00} what Nationstar Mortgage told me I owed to bring the loan current. It is clear that mistakes were made by employees at Nationstar Mortgage. And what Nationstar is doing in foreclosing my home and making me pay more costs is UNCONSCIONABLE.
Product: Debt collection

I was put in collection in error in 2017, I had contact the XXXX   office numerous of time advising them that there were a check issue for XXXX XXXX for amount of {$2100.00} and for XXXX XXXX {$6500.00} which was made out to my Ex-husband which he admitted taking the checks for his personal use, I contacted the XXXX XXXX spoke with XXXX regarding this matter fax over all documentation from the court hearing and still no luck. I checked my Credit report with XXXX, Transunion, XXXX   and all three creditor has me in the report giving a BAD score. This has affected me personally I'm in distress can't buy a house because this is in my credit report for all three bureau. The responsible for this monies own to any/and all XXXX  is my ex-husband which can be verified by the attached divorce decree holding myself harmless for any monies owned to this XXXX   XXXX XXXX {$69000.00} and XXXX XXXX {$2100.00}. Please help me I have already attempted with all three credit bureau send all court order plus hired a lawyer to go back to court I'm out of resource of how to flight this error with the credit bureau I need my name to be clear in order for me to purchase a House. Thank you for your time. Have a blessed day.
Product: Credit reporting, credit repair services, or other personal consumer reports

chapter XXXX bankruptcy was not verified original documents with my signature were never produced for verification
Product: Student loan

Have done forbearance and other forms of trying to get my payments under control for the last 16 years. I am trying to just make my payments normal and be a normal adult who can maybe have a future
Product: Credit reporting or other personal consumer reports

My account with XXXX  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 in XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> to be removed. 

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. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


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 XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

I have received 4 telephone messages from Transworld Systems Incorporated in the past month. They call once a week from XXXX and leave a message to call XXXX XXXX at XXXX. They explicitly state that it is an attempt to collect a debt. I did n't call back because I have not received any written notice of any debt, have no knowledge of any debt and they actually do n't indicate who the call is intended for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried several attempts to resolve this matter with the company listed below. After several attempts I have been forced to file a police report and also seek legal advice against the account listed. 

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 In addition please find attached a copy of the police report and DC number that was provided to me when report was filed. In addition I would like these accounts to be removed from my credit report. As I have asked before. 

These accounts are part of fraud and should be removed from my credit report immediately. Per Federal Guidelines in 603B letter when ever there is fraud on your credit report is shall be removed with in 4 business day.
Product: Mortgage

For the past 5 years I have been in a foreclosure status with Bank of America. I have returned all of the documents requested. As requested by Bank of America, I have submitted the same documents over and over. I lost my job and got behind in my payments. However, I have been employed for the last 4 years. At XXXX, I went back to college and got my XXXX. I have lived in my home for XXXX years on a 30 year mortgage. I do not want to lose it now. It seems for the past XXXX years Bank of America has been giving me the run-around. It seems they do not want to keep my home on their books. After XXXX years I find this very disturbing. I have been living in fear for 5 years. XXXX. This foreclosure is constantly on my mind!
Product: Credit reporting or other personal consumer reports

I was never late on the accounts that are listed below along with date please show me documentation showing proof of transaction showing that I was ever late to support your inaccurate reporting on my consumer report. If you cant supply the previous request please correct status to " paid as agreed/current ''. XXXX. XXXX XXXX XXXX ( XXXX ) - XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX ( XXXX ) - XX/XX/XXXX XXXX. XXXX XXXX XXXX ( XXXX ) - XX/XX/XXXX, XX/XX/XXXX.